Where's the Other Half?
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Actuarial statistics indicate that disability has a greater likelihood of occurring than death. Many persons possess life insurance with nothing in place for disability or critical illness. Could we bear being a financial burden to our family for an extended period with nothing in place to offset the expenses incurred in taking care of us?
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Jimmy Dean is reputed to have said:"For true success ask yourself these questions: Why? Why not? Why not me? Why not now?" Have we asked ourselves these questions as it pertains to managing risks? Here are some important questions that need to be considered in planning for the future. If there is an area of deficiency that is exposed, according to Jimmy Dean, "why not address it NOW?
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Where's the Other Half?
- 1. Where’s the other Half? Compiled by: Reginald Michael Alleyne
- 2. Why disability Insurance? If you're totally or severely disabled due to sickness or injury and can't work, disability insurance offers coverage that can provide money to help pay your mortgage, rent, car loans, and other monthly expenses.
- 3. Why disability Insurance? Statistics show that the likelihood of become disabled is much greater than the risk of dying Source: Commissioners Disability Table
- 4. Why disability Insurance? Imagine being young and becoming disabled – unable to work the rest of your life. Could you pay the bills (mortgage, rent, education, etc.) being unable to work for a significant period? Imagine being a working professional, having a stroke, and no longer being able to speak or function normally. How will income be provided?
- 5. Why disability Insurance? If you are single and don’t see the need for having life insurance, what about having disability coverage to take care of you if you unexpectedly become medically unfit to work so as not to be a financial burden to your loved ones? If you are self-employed how would your business continue if you can’t work? From where would your family get the income to replace what you previously provided?
- 6. Why disability Insurance? If you are a family person do you have a working spouse who makes enough money to cover your income loss? Could they cover the bills without your input? If you are a single-parent what are the options for replacing your income? Could family members provide the needed financial support? For how long?
- 7. Why disability Insurance? If you are a business owner and disability occurs you: Lose your major source of income or the other owners have to continue that income Hold an important illiquid asset Force healthy owners to take on added responsibilities or hire a replacement Can cause the income of the business to decline
- 8. Why disability Insurance? Disability income can be used to replace your income Disability income can supplement the disablement grant/pension received from the Government Disability insurance is not as expensive as persons believe!!!
- 9. We assist you with your Disability Income Planning by: 1. Determining what income you would prefer receiving if you become disabled/critically ill 2. Using an inflation factor to compensate for future inflation 3. Analyzing what your expenses would be 4. Proposing Recommendations based on affordability and needs
- 10. If you would like to discuss in more detail any of the preceding topics I can be contacted as follows: †Facebook †By Email at: rmalleyn1@gmail.com †LinkedIn: https://www.linkedin.com/in/reginaldmichaelalleyne/