Understanding the Importance of Disability Income 1

You have worked hard to become self-reliant. Understand DI You have worked hard to become self-reliant. 2

Understand DI You have an important role in the financial responsibilities of your household.

An injury or sickness could take away your self-reliance. Understand DI An injury or sickness could take away your self-reliance. 3

Disability vs. Death Age 32 42 47 52 Chance 3.45 to 1 3.01 to 1 Source: Journal of American Society of CLU, Volume VIII, No.1 Chance 3.45 to 1 3.01 to 1 2.63 to 1 2.28 to 1

Disabilities Can Last Years Age under 40 40-44 45-49 50-54 55-59 60-64 Average Duration of Disability * 4 years 4 years, 4 months 4 years, 7 months 4 years, 6 months 3 years, 6 months 1 year, 9 months *Disability lasting at least three months. Source: Society of Actuaries Report, Transactions, 1981. 5

Your Earning Potential Understand DI Your Earning Potential Current Salary x Number of Years until Retirement = Your Earning Potential Not Including Pay Increases 6

Understand DI Isn’t your potential to earn a living as important to insure as your car or home? Income $$$ Car Home

A disability income plan is easy to understand. Understand DI A disability income plan is easy to understand. 8

Understand DI The Benefit Amount How much money per month will you need to make it through a disability? Depending on the benefit period you choose and your income, your plan can cover 45%-75% of your income. 9

The Elimination Period Understand DI The Elimination Period How long could you make it before these payments begin? 10

Understand DI The Benefit Period How long would you need the monthly benefit to be paid? 11

The Surrender Value Rider Understand DI The Surrender Value Rider You can add this option to your policy. This rider returns 100% of your premiums paid, minus any benefits received, at age 65. That’s protection if you need it, cash back if you don’t. 12

Other Options to Choose Understand DI Other Options to Choose Option to Purchase Rider: Provides additional benefit amount as your income increases without medical underwriting. First Year Additional Benefit: Pays you extra benefits during the first year of total disability. 13

A Disability Income Plan is Affordable. 14