2. Income Armor: Protect Your Most Valuable Asset

3. Key Facts About Disability Insurance Your ability to work and earn an income is your greatest asset. Income is the foundation of your family’s financial plan.

4. Key Facts About Disability Insurance 3 Disability can and does happen when you least expect it.

5. Key Facts About Disability Insurance 4 Income stops and expenses increase after disability strikes.

6. Key Facts About Disability Insurance 5 There are no acceptable alternatives to a disability income policy for protecting income.

7. P erception vs. R eality According to the Council for Disability Awareness… 90% of workers grossly underestimate their chance of becoming disabled and the potential length of disability

8. P erception vs. R eality Most disabilities are caused by accidents 90% of disabilities are not accident-related Most disabilities are work-related Only 10% of disabilities are work- related 58% of adults say they are covered by disability insurance Only around 30% have long term protection Perception Reality Source: U.S. Safety Council; Cornell University 2005 Disability Status Report, CDA 2008 Disability Claim Study, AHIP Survey 2004 Bottom line… Three out of ten workers between ages 25 & 65 will experience a long term disability.

9. Illnesses that used to kill, now disable Mortality to Morbidity shift: Increasing number of people survive severe accidents & illnesses but live with disabilities as a result. 3.8 times more likely 2.3 times more likely 5.9 times more likely 2.9 times more likely 7.6 times more likely 4.0 times more likely Source: 2005 Field Guide to Estate Planning, Business Planning & Employee Benefits 6 months of disability can destroy 10 years of savings. Risk of long term disability vs. risk of death 4 leading causes for disability claims Bone and Muscle disorders Cancer Cardiovascular/Circulatory Obesity -health issues

10. True or False  I am prepared to sell my home in the event of a financial difficulty.  If I were disabled, I know that the government would care for me.  I have no expensive hobbies.  My children will not need my financial help for their education.  I can afford to take a two-year unpaid vacation. If you answered false to any, you should be thinking about Disability Insurance

11. Paycheck Options Option AOption B Healthy and Working $100,000$98,000 Sick or Hurt and Not Working $0$58,200 (Tax Free) Which One Would You Want? Which Paycheck Option Do You Have Today?

12. Tele-Interview Designed to complete Part B (Medical History) I need to establish a convenient time for the interview and leave you the “Applicant’s Guide to the Tele-Underwriting Process.” DMS will call you within 2 business days of receiving a completed Part A of the application Tele-Interview takes approximately 20 minutes Information to have available listed inside Voice signature available up on completion