Individual Disability Income Insurance

Disability Income Insurance is one of the best ways to protect future income in the event that an individual is unable to earn a living due to an illness or injury for either a short or lengthy period of time. Studies show workers are 3 to 5 times more likely to be disabled than to die early *, making disability income insurance one of the more important coverages to purchase while in good physical health. Policies will vary in elimination (or waiting) periods, benefit periods and premium. Daines Insurance will listen to an individual’s needs and develop the most sensible plan for his family.

• Source: American Council of Life Insurers, 2001 Life Insurers Fact Book.