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Welcome to Commonsense Financial Planning.

Common sense answers to questions on financial planning, risk management, and investing.

Disability Income Replacement Insurance

While most Americans insure their lives and material assets, like cars, homes etc., many overlook the need to protect their most valuable asset - the ability to earn an income.

Insurance claim studies indicate that the odds of becoming disabled for 90 days or more are much greater than dying during one's work years.

At Age 27 - 2.5 Times Greater

At Age 42 - 3.5 Times Greater

At Age 52 - 2.2 Times Greater

What To Look For In A Disability Insurance Policy

Types Of Disability Contracts

 


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