Why disability insurance? Well, the answer might look pretty obvious once the question is asked, but nevertheless, when it comes to insurance, life, auto and home insurances get a higher priority than disability insurance. No one likes to think they could be hit with a disability stroke, for instance.
However, if you have a smart financial adviser, he might probably suggest you that you a balanced mix of various types of insurance, with the disability option included. This would not be something he’d fetch off the air — stats do tell us that one-third of the people between 35 and 65 do get disabled for more than 90 days.
Like most other types of insurance, disability insurance also offer a number of options. You could go in short- or long-term policies, individual or group policies. You could even insure just one part of your body which is your most prized asset. In any case, it is recommended to explore all options and check out some policy offers online to get an idea of what you can expect.
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