Are you sure you have enough to protect your most important asset – you?
At CAP Physicians Insurance Agency, Inc., our goal is to help doctors protect all of their assets. These assets range from your practice to your home and car. So what would happen if you became too sick or hurt to work? How would you afford all of the things your income pays for?
Disability Insurance protects your income so if you become hurt or sick and cannot work, you will still get a monthly benefit to pay for all those things in your life.
Group Long Term Disability Benefits cover about 60 percent of your gross income and is based on your income when you apply. It will also offset for certain types of other benefits such as State and Social Security Disability.
Older generation individual policies limited the amount of coverage you could purchase and they may not adequately cover you if you were not able to work. Even if you already have a disability policy, such as group long-term disability insurance, or you purchased an individual policy many years ago, that’s a great start, but is it enough for you to keep up your current lifestyle and financial goals?
A separate individual disability insurance policy is a great way to fill potential gaps in protecting your income. It’s one of the most common components of a strong financial plan because it’s so important. Experts agree: making that small investment today helps ensure you and your family are taken care of if the unexpected happens in the future.
Getting an additional $5,000 a month of coverage could be as easy as completing a short application and a telephone interview using accelerated underwriting guidelines.
CAP’s Insurance Agency is here to assist you to make sure your most valuable asset is protected. Call Janet Hemphill at 213-473-8643 or email jhemphill@CAPphysicians.com at CAP Physicians Insurance Agency for a free quote today.