We take many things for granted until they're gone. For too many of us, this includes our ability to earn an income. We insure our lives, our homes, our cars - but we often forget the asset that supports our lifestyle.

   Consider these facts according to the 1996 edition of Accident Facts, published by the National Safety Council:

• While someone makes a 10-minute safety speech, about 370 individuals will suffer a disabling injury.
• An average of 2,200 disabling injuries occur every hour during the year.
• In all, Americans experienced 19,300,000 disabling injuries in 1995.
  

   Consider the possibilities, if a disability kept you from earning your full-time income, how would you pay your bills during your recovery?:

• Use some of your savings?
• Sell some of your assets?
• Try to borrow money?

   Why should I purchase disability insurance now? As with most types of insurance, the older you get the more expensive the coverage will become. Statistically you may be more likely to become disabled, as you get older. It is not guaranteed that you can be insured and as you increase in age; this will affect your ability to acquire a policy. Most importantly an accident or debilitating illness could strike at any time.

   How much coverage should I consider? You should consider obtaining enough coverage to maintain the present lifestyle your family has. This means taking into account rent or mortgage payment, food, cars and other monthly expenses. You should be aware that income from Social Security benefits or employer related plans most likely would not come close to covering your expenses. Typical policies range from 60 to 70 percent of pre-tax income.

   What are the types of disability insurance? There are three types of disability policies, short term, long term and business expense.

Our associates are ready to assist.

With Kindest Regards,
Bob Puckett