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How protected is your income?

Imagine if you suddenly lose your job due to an injury or illness. In addition to the physical and emotional toll, your income might be suddenly and dramatically reduced, or possibly eliminated altogether.

Being unable to work means you may be unable to pay your mortgage, monthly bills, health costs, or even living expenses — and you will be struggling to provide for your dependents. It’s a harsh reality, but one few people think about until it happens to them.

Look at the facts:

A disabling injury occurs every second – on and off the job.

— National Safety Council, Injury Facts 2008.

The average length of a disability for someone age 40 is 6.6 years.

— Individual Disability Experience Committee of the Society of Actuaries. 2005.

Every 30 seconds, someone files for bankruptcy in the wake of a serious illness.

— “Sick and Broke” by Elizabeth Warren. The Washington Post, February 9, 2006.

Disability is the cause of nearly 50% of all mortgage foreclosures.

— The Council for Disability Awareness

Individual disability income insurance protects you by providing monthly cash income. You can use this to help pay your bills in the event a sickness or accident prevents you from earning your usual paycheck. 

Plus, should you change jobs, your disability insurance coverage remains intact — even if your duties change or you lose your job — as long as you pay the premiums on time.

To help determine if you are prepared for a disabling illness or injury visit our Disability Calculator.

At Futurity First, our professionally trained, community-based agent representatives can help you explore your disability income insurance options. Find a Futurity First branch office near you.

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