Have you considered what would happen if an illness or injury left you with no income? If something did happen, you’d be asking, “What now?” Then it would be too late to do anything about it.
The right question is, “What if?” What if an illness or injury prevented you from earning an income? The time to ask that question is now.
Do I need disability insurance?
If you and your family rely on your income to contribute to your daily expenses, you need individual disability insurance. Imagine being sick for an extended period. You should be focused on recovering, not worried about how you’re going to pay your bills. See how disability insurance from Ameritas gave this entrepreneur and his family the ability to keep life’s basics going.
Ameritas has the answer
DInamic Fundamental from Ameritas is disability insurance for individuals. It protects your most important financial resource: your ability to earn an income. If you become disabled due to a sickness or injury and your disability is expected to last at least one year, it pays you so you can pay your bills. Optional riders can customize your policy to help meet your needs and budget.
How it works
The base policy pays you a lump-sum benefit if a disability prevents you from earning an income. The disability needs to meet three criteria:
- It prevents you from working in your occupation or any occupation for which you are reasonably suited based on your education, training and experience.
- The disability is expected to last at least one year.
- You must survive the disability for at least 30 days.
If you’re a business owner, you may want to provide disability insurance for individuals like your employees. Learn how providing disability insurance can help you attract and retain top-quality employees.