Your most valuable asset?

A 40 year old earning $90,000/year, considering moderate increases, has the ability to earn in over $3,000,000 by age 65.

When you think of all the assets you possess that you insure, i.e.; your home, car, recreational vehicles, jewelry, etc., the values of those assets pale in comparison to the asset of your ability to earn a living, yet many don't insure the "golden goose."

Ask yourself the question; what if my ability to earn an income stopped or was diminished today? What would be the effect on my retirement, debt servicing, children's education and your day to day lifestyle?

Statistics show that most people are only three months away from bankruptcy! 

The fact is disability strikes working people far more often than premature death. A 20-year-old man is 3 times more likely to be disabled for at least 90 days than he is to die before the age of 65. A 35-year-old woman is 7 times more likely to face disability than death before 65!

The chance that you will be disabled for 90 days or longer before age 65 is …

Chances of being disabled for 90 days or longer before age 65
Age 30		Age 40		Age 50
Male	Female	Male	Female	Male	Female
20%	29%	18%	25%	16%	18%

The average length of claim is 3 years!

Claims:

Potential Sources of Income:

• Government benefits ?
• Savings?
• Sell assets
• Borrowing?
• Group long term disability (LTD) insurance?
• Individual disability insurance - control & security!