Disability Income Insurance
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A Solution Using Disability Income Insurance
| With disability income insurance, you are purchasing a stream of income to be delivered to you by an insurance company in the event you become disabled. The policy features and benefits should be coordinated with your needs and premium paying ability. As you evaluate disability income policy features and benefits, remember that the choices you make will impact the premiums you pay and the benefits you are entitled to receive. |
| An adequate amount of personally-owned disability income insurance, coordinated
with other sources of income, can guarantee a source of income in the event of serious illness or injury. |
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Personally-owned disability income insurance benefits can be used to:
| • | preserve your independence. |
| • | maintain your lifestyle. |
| • | give you time to recover and, if necessary, retrain. |
| • | protect your assets from liquidation. |
| • | protect your assets from liquidation. |
Finally, since the premiums paid for personally-owned disability income insurance are not tax deductible, the benefits are not considered as income and are received 100% free of income tax. |
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