Disability Insurance

WHAT is Disability Insurance?

 
What happens if you lose your health due to an accident or illness, and can’t get you paycheck? Disability insurance then starts providing your monthly income so that you can meet you family obligations! It lessens your family health catastrophe by giving you the income to meet monthly expenses for your family.
 

WHY should I protect my paycheck?

1. My familiy depends on my paycheck!
2. My business depends on my income
3. My income pays my mortgage, my children’s education, my utilities- and the list goes on…..

HOW much will this disability coverage cost me?

 
The beautiful thing about Disability policies- they can be designed to meet your needs and budget! Typically your cost to “roll your risk” to the Insurance Company generally costs 1-2% of your current income to protect your paycheck for the years ahead. Let’s do the math together.
 

WHAT options do I have if I have employees?

 
Excellent! You have the full suite of Disability Plans that MOO offers. And you can tailor if you want them to pay 100% of the premium- or you share in the cost together. Let’s discuss whether an Employer plan or a single plan makes the most sense for you!

(please see our Only for Employer tab for further information)
 

WHEN should I build this disability strategy for myself?

 
Answer: Before your next accident or critical diagnosis
 

WHO should I work with on my disability strategy?

 
You can work with a “generalist”- someone that sells all kinds of insurance.

Or you can work with a “Disability strategist”- someone that builds affordable strategies for farmers, welders, nurses, engineers, or doctors and structures disability key-man coverage and business overhead plans. This person can bring the most value to your personal and corporate disability strategy.

Let’s spend 20 minutes on the phone sharing information to see if this Paycheck Protection strategy makes sense for your family, budget, and business. You will have concrete numbers and facts in your hands soon!
 
“Do you address the risk exposures to your Company and Family now in order to make defensive decisions, or wait until a crisis happens?”