Disability Insurance Broker
Protecting Your Most Important Asset—Your Income
If you had a machine that could produce $100,000 a year or more, you’d probably be willing to spend a little of that money to guarantee your machine would always keep working. Well, you are that machine!
And while disability insurance doesn’t guarantee that you will always keep working, it does something just as important—it protects the income from your “machine” in the event that you suddenly cannot work.
A Bigger Risk Than You Think
We hear this a lot: “Why do I need insurance for something that is so unlikely to happen?” The answer is that you need disability insurance because becoming disabled is probably far more common than you think. Most people are about three times more likely to become disabled for a period of 90 days or longer than they are to die before age 65. And 90% of disabilities are due to an illness or sickness instead of a catastrophic injury.
Odds of Needing It
If you had a 25% chance of winning the lotto, you’d definitely buy a ticket. But despite the fact that 1 out of 4, 20-year-olds today will become disabled at some point before retirement age, a lot of people think they don’t need disability insurance.
Short Term Coverage
There are several ways to protect your income in the event a condition or injury prevents you from working—from short-term plans to coverage that provides benefits for a short period, such as one or two years, yet much more affordable.
Protect your Income
Many people think their most valuable asset is their home, or perhaps a savings or retirement account. But in reality, it’s the ability to earn an income. And income is exactly what disability insurance is designed to protect. It could pay out well over $1,000,000.
For example, if you are 30 years old, you have about 35 more years until “standard” retirement age, although you might be hoping to retire earlier than that. But let’s say you plan to work for those 35 years. At $100,000 a year, your income potential is $3.5 million—and it’s far higher than that when you factor in raises and bonuses. Shouldn’t you protect that potential?
We’ll help you find a disability insurance policy that best fits your budget and your situation. This could mean obtaining a smaller policy now and upgrading your coverage down the road as you begin to earn more or have additional family responsibilities.
More Important Than Life Insurance? Yes.
At Achieve Alpha, we think life insurance is crucial—but we think disability is even more important. As a Bellevue disability insurance agency, many of our clients work in tech, and it’s particularly important for these high-paid employees to protect their incomes. A disability can literally cost millions in income over 20 years.
Choose The Right Company
We work with eight disability carriers to ensure you get the best value for the best protection. Perhaps more than any other type of insurance, with disability you “get what you pay for”—cheap coverage often equals meager payouts. And depending on your occupation, certain companies may have better coverage than others.
Choose The Right Agency, Too
By working with an independent agency for your disability coverage, you have an expert on your side to evaluate different policies at different price points. Achieve Alpha has been serving clients since 2008—that vast experience gives us the ability to help you determine the right amount of protection and the right carrier for you. insurance broker disab
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