Income Protection For The Cost Of A Daily Cup Of Coffee

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Income Protection for the Cost of a Daily Cup of Coffee

Many people believe the cost of protecting their income is too high for their budgets. In reality, the
opposite is true. For the cost of a daily cup of premium coffee, you could own an Individual Disability
Income insurance policy.

While the cup of coffee is an “affordable luxury,” it doesn’t provide much security. An Individual Disability
insurance policy provides monthly benefits (“a paycheck”) to help pay everyday living expenses, such
as your mortgage, utilities, groceries, and medical bills (which typically increase with a disability) if
you become too sick or hurt to work.

The cost of protecting your income:

Take the case of Ken. He:

• Earns $50,000 a year as a graphic designer
• Is a healthy, active 40-year-old
• Has no income protection plans should he become disabled

For approximately $1,300 a year* (less than 3 percent of his annual salary), Ken’s Individual DI
insurance policy would provide about $3,000 per month in benefits if he becomes disabled.

The cost of the insurance breaks down to just $3.56 a day – or about the same as a daily cup of premium coffee.

Buy today – waiting doesn’t make sense.

Since people usually don’t get healthier as they grow older, an Individual DI insurance policy
costs more the longer you wait to purchase it. And if while waiting, your health worsens
considerably, you risk becoming uninsurable.

Ways to afford buying income protection now:

• Purchase a policy with a smaller monthly benefit. Later, as your income grows or your
budget changes, you can request an adjustment to increase the policy’s monthly benefit.
• Find extra cash by changing personal money management habits (such as forgoing that
daily cup of premium coffee).

Talk To Us About Protecting Your Income Today

Call us toll free at (800) 848-4421 or complete and submit the form below to request your quote.

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