1. Understanding the Importance of Disability Income1

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

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

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

5. 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

6. 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

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

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

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

10. 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

11. The Elimination Period
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The Elimination Period
How long could you make it before these payments begin? 10

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

13. The Surrender Value Rider
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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

14. Other Options to Choose
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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

15. A Disability Income Plan is Affordable.14