Protect your most valuable asset
If you had a money machine in your basement and it printed off $10,000 per month, would you insure it?
Most insurance brokers do not specialize in disability insurance planning and are therefore not as competent as they should be when it comes to structuring a comprehensive disability insurance policy.
Why do you need disability insurance?
Your greatest asset is your health and your ability to earn income. If you were unable to earn your income because of an injury or sickness, your lifestyle would be drastically effected over the long term.
Disability Insurance provides you with a non-taxable monthly benefit that allows you to maintain your lifestyle during a period of injury or sickness that prevents you from performing the important duties of your occupation.
If you earn $100,000 annually and you are 35 years of age, your potential earnings to age 65 are $3,000,000, provided you maintain your health and your ability to work. Note that this calculation does not account for any increases in income or cost of living adjustments. $3,000,000 is probably your greatest asset. J.W. Larmond Life Insurance & Benefits can help you ensure that it is properly protected.
J.W. Larmond Life Insurance & Benefits offers only the best disability insurance contracts with coverage tailored to meet your individual needs. We offer several options for you to consider in your disability policy, including an own occupation definition of disability, partial definitions of disability, future insurability option, and an inflation protection feature. For medical professionals, we offer HIV and Hepatitis B and C coverage.
We work with our clients to determine How Much they need, How Soon they need it and How Long they would like the benefits to last? We then determine the best policy that the marketplace has to offer at the most competitive price.