04/21/2026
Most people insure their car, their phoneā¦ even their pets.
But the one thing that actually pays for all of it? š Their income.
Here are 3 things most people donāt realize about disability insurance:
1. Statistically, Youāre far more likely to become disabled than to pass away during your working years.
Not dramaticājust reality. Injuries, illness, burnoutā¦ it happens more than people open up think.
2. Itās not just āfreak accidents.ā
The majority of claims come from things like back issues, mental health challenges, and chronic illnessānot catastrophic events.
3. Losing your income for even 3 months can completely shift your financial trajectory.
Savings get drained. Debt increases. Long-term plans get delayed.
Now letās talk about something most people have heard of, but donāt fully understand:
Index Universal Life (IUL) policies š
1. Itās not just life insuranceāit builds cash value and offers accelerated living benefits! Meaning it can actually be used while youāre still alive.
2. Your growth is tied to a market index, but with downside protection, youāre shielded from losses (with caps).
3. It can be structured as a long-term financial toolānot just a death benefit.
Think: flexibility, access, and protection in one place.
The reality isāmost people donāt look into these things until they have to.
And by then, options can be limited and most likely more expensive.
If any of this made you pause for a second, thatās usually a sign itās worth at least asking a few questions.
My inbox is always open!
