Long-Term Disability Insurance
In the last 20 years, deaths due to the "Big Three" (cancer, heart attack and stroke) have decreased significantly. But disabilities due those same three are up dramatically! Things that used to kill now disable.¹

The ability to generate income is an individual's most important asset. While life insurance is important, during our working lives, the probability of being disabled exceeds the probability of death in all age categories. .

Short-Term Disability
Long-Term Disability

¹National Underwriter, May 2002