If you became ill or injured and your last paycheck was your last paycheck how would you live? That is what disability income insurance is all about.
For 1 1/2 to 2 % or your annual income you can guarantee yourself 60% of your income. SO - pretend that you make $ 100,000 a year. For $ 1500 - $ 2000 a year you can get 60% or $ 60,000 a year in disability income protection with no taxes.
This is a simplified explanation but it is a conversation you should have today with your insurance agent.
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