Term Disability + Life = better protection
When it comes to protecting yourself and your family, holistic protection is key.
Most of us know that we need life insurance. But the risks of disability are high and the financial repercussions can be devastating. In fact, one in four will become disabled during their working years1, and those long-term disability claims generally last 2.6 years2. So, while we can’t predict the unexpected, we can better prepare for it.
If you are just starting your career or are looking for affordable coverage, term-based disability and life insurance, which offers coverage for a set period of time, may be a good option. With Guardian, you now have the opportunity to add both to your protection plan. You also have the ability to convert to a more robust disability plan in five years as your income grows.
Contact me today to learn more about how our term-based disability and life coverage can help provide the holistic protection you need.
1 Social Security Administration Fact Sheet, December 2019
2 Council for Disability Awareness, The Average Duration of Long-Term Disability is 31.2 Months (Jan. 2016), https://blog.disabilitycanhappen.org/the-average-duration-of-long-term-disability-is-31-2-months
Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA or provided by Guardian. BLICOA is a wholly owned stock subsidiary of and administrator for the Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state.
Guardian® is a registered trademark of The Guardian Life Insurance Company of America.
Term disability and life coverage offers holistic protection
| February 28, 2023