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Disability Insurance (Individual & Group)

Know the Facts

You may have your reasons for not buying individual disability income (DI) insurance. But do you know the facts?

Reason 1: I can always buy coverage later.
Fact:
People usually don't get healthier as they grow older, and coverage will cost more.

Reason 2: My family and friends will help me.  Or I will use my savings.
Fact:
Are your loved ones in a position to support you? Do you want them to? And, even with saving 10% of your salary, one year of disability could easily wipe out many years of savings.

Reason 3: I have disability coverage through my employer.
Fact:
Group disability insurance typically covers 60% of gross income, and benefits are usually taxable. Can you afford more than a 40% pay cut?

Reason 4: It costs too much. I'll purchase it later.
Fact:
The average annual cost is typically only 1% to 3% of what you earn. Plus, the longer you wait, the more likely the premiums will be more expensive.

Reason 5: It won't happen to me/I expect to stay healthy.
Fact: During the course of your career, you are 3 1/2 times more likely to be injured and need disability coverage than you are to die prematurely.1

Ask us how we can help you protect your income!
Your ability to work and earn an income is your most valuable asset - make sure you have the income protection you need!

Contact PENTECO Insurance Today at (703) 660-9090 for a
Free Disability Quote

1 Health Insurance Association of America, 2000

This is a general summary only. Additional guidelines apply. Disability insurance has limitations and exclusions. For costs and complete details of coverage, contact your Principal Life financial representative.


 

 

 

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Need to know what those insurance terms actually mean? Get answers to some of our most commonly asked questions in our Insurance Resources section.

 

 

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8000 Fort Hunt Road, Alexandria, VA  22308 / phone (703) 660-9090 / fax (703) 991-9164 / email info@penteco.com
 
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