Your income is your greatest asset
Most people prioritize insuring their car, home, and health, yet they often forget to protect their most valuable asset — their ability to earn an income. If an illness or accident suddenly prevented you from working, how long could you sustain your current lifestyle? Without a solid financial backup, savings can deplete rapidly, potentially putting families at risk of financial hardship.
The risk is real
- 1 in 4 Americans will experience a disability before retirement.
- The average disability lasts 2.5 years—long enough to exhaust most savings.
- Social Security disability benefits are difficult to qualify for and are rarely sufficient.
How does disability insurance work?
Disability insurance replaces a percentage of your income if you become unable to work due to illness or injury. There are two main types:
✔Short-Term Disability Insurance: Covers lost income for 3 to 6 months. Often provided by employers but may not be enough.
✔Long-Term Disability Insurance: Provides income for years or even until retirement, depending on the terms of your contract, helping ensure long-term financial security.
Who needs it?
- Self-employed professionals and business owners who don’t have employer benefits.
- Anyone who relies on their paycheck to cover living expenses.
- Parents who contribute to household income.
Plan for the unexpected
A disability can happen to anyone, at any time. Don’t wait until it’s too late—help protect your income today.
(Tracking Number 7796408.2)
Future written communications may be in English only. Michael is a Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. USAFrance Financials Group is not an affiliate or subsidiary of Guardian.
CA Insurance License #0M37537, AR Insurance License #18807246.
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