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Financial Services

Disability Policies

Who should have disability insurance? The fact of the matter is that an accident or illness can strike at any time and every individual should be prepared for the unforeseen. If you are self-employed or work for a company that doesn’t provide any such benefits, disability insurance is of vital importance.

Many credible insurance companies offer a liability insurance policy as part of their range of products and services. The cost of such a policy would be dependent on a number of factors: The more your insurance package should pay out in case of disability, the higher your associated premiums. The same applies for the type of cover associated with the policy. Some policies will pay for benefits in a wide range of circumstances, while other policies will be more specific as to the terms and conditions of such benefits. The broader the range of circumstances cover, the higher the monthly premium.

Business owners are also advised to obtain disability insurance. In this instance the policy is termed business overhead expense disability insurance and the aim of such a policy is to cover general business expenses should the owner of the business experience a disability. This will enable the company to still pay the office rent, salaries and general day-to-day running costs.

An important question to ask is, how long the waiting period is before claim payments will commence and how much money will be paid monthly?

Disability insurance should be high on each person’s priority list – don’t wait until it’s too late!

“Wealth is the ability to fully experience life.”

- Henry David Thoreau

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