Protecting Your Most Important Asset – It May Not Be What You Think

What is your most valuable asset?

Really think about this for a minute, because you may be surprised at the answer.

When people think about the valuable assets that they possess, what usually comes to mind initially is their home, their retirement plan, and possibly other high-dollar items such as collectibles, metals, or investment property.

But the truth is that for many people, the most valuable asset that they have is their ability to earn an income. This is because your earning capability is what allows you to have the home that you live in, save the money that you save for the future, and collect the other items that you have as investments.

But if suddenly you were unable to earn an income, how much – and how quickly – would your life change?

How to Cope with the Unexpected

If an unexpected illness or accident were to occur and render you unable to work, you may have some savings that could “get you by” for a while – but what happens when that money runs out?

Even those who have set up an emergency fund will usually have only between 3 to 6 months worth of living expenses in that account. But a long-term disability could last for years – or even for the remainder of your life.

By having a disability insurance policy in place, you can ensure yourself a regular income so that expenses can still be paid – leaving your savings where they belong, and not requiring you to make other drastic changes in your life such as selling your home or other personal assets in order to pay the bills.

Many disability insurance policies will even provide an option for the income benefits to increase over time so as to help keep pace with the rising cost of goods and services in the future.

Not only can we help you find the best disability insurance policy, but also the best life insurance policy too. Sometimes it makes since to add a DI insurance rider to your life insurance policy. When you work with an experienced agent he/she will be able to help you compare the cost and coverage. It may help kills two birds with one stone. Plus it can help with lowering the cost.

You’re Young and Healthy – Should You Wait?

Even if you’re young and healthy now, it’s important to be sure that you have protected your ability to earn an income – in fact, even more so. Unfortunately, accidents and illnesses can – and do – occur, and they don’t discern a person’s age whenever they do.

Although it’s easy to put these types of issues out of your mind, the truth is that more than one in four individuals who are 20 years old are apt to become disabled before they time they retire.1

In fact, according to the U.S. Census Bureau, of the over 37 million Americans who are considered to be disabled, more than half are between the age of 18 and 64.2

Are You Leaving Your Most Important Asset Unprotected?

While insuring your home, auto, and life is essential, it is also important to be sure that you don’t leave your earning ability to chance. In the blink of an eye, everything could change.

The best way to see if you even qualify for disability income coverage is to work with an independent insurance agent who can match your specific situation and needs with an insurer that offers the best protection for you at the most attractive premium price. You can start the process by calling us today to find out what disability insurance covers and costs.


Don’t leave your future income to chance. Talk to us about protecting your tomorrow – today.



  1. U.S. Social Security Administration, Fact Sheet February 7, 2013.
  2. 2. U.S. Census Bureau, American Community Survey, 2011.