The Case for Disability Insurance: Protecting Your Most Valuable Asset

Your Income Is Your Greatest Asset—Protect It Today.

Why Disability Insurance Matters 

If you earn money through work, your ability to generate income is your most valuable asset. But what happens if illness or injury takes that away? 

Disability insurance ensures your lifestyle and financial goals stay intact—even when life doesn’t go as planned. 

Did you know? 

• The average disability for a 50-year-old lasts 2.5 years. 

• Without coverage, most people drain savings, cash out investments, and pay heavy taxes just to survive. 

Two Stories, Two Outcomes 

✅ Client A had an individual disability policy. When life threw her a curveball, that coverage allowed her to maintain her lifestyle and save upwards of $300,000 over her lifetime. Her financial plan stayed intact. 

❌ Client B wasn’t so fortunate. She lost her job—and her group benefits. Her claim was denied, forcing her to liquidate savings in a LIF account. Most of it went to taxes before covering living expenses. Her long-term goals evaporated. 

The difference? Individual disability insurance. 

Common Objections—and Why They Don’t Hold Up 

• “Clients don’t have the budget.” 

• “Too hard to qualify.” 

• “Claims are a nightmare.” 

• “It’s complicated—guaranteed or not?” 

We get it. But the math is clear: without coverage, your financial plan is at risk. 

Our Responsibility 

We pride ourselves on advanced strategies—tax planning, wealth transfer, investments. But those don’t matter if income stops. Disability insurance is foundational. 

When that call comes, you want to say: “We planned for this.” Not: “I wish we had.” 

Ready to Protect Your Income? 

Let’s start the conversation. Book a free consultation today.