Disability Insurance





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Disability Insurance

Disability Insurance will pay a portion or your full income in the case that you are diagnosed with illness or have been subject to an accident rendering you unable to work due to disability.  Such an insurance coverage is important since most people do not have emergency saving to survive even after a short spell without income.

The chances of being victim to diability may seem very remote, especially if you are young and health and have a relatively low risk job.  But according to the Council for Disability Awareness, more than one in four 20 year old will experience some for of disability before they retire.

Here are some advantages of Disability Insurance

  • No resitrictions on how you use the money as it is basically replacing your regular income
  • There is no need to pay it back
  • It’s Tax free
  • Depending on the policy it can last for a long time
  • It protects you and your family from ending up in a financial crisis.

Disability policies will vary depending on how companies define “disababled”.  Some policies pay-out only if you are not able to work any job for which you are qualified whilst others pay if you cannot perform your job.  Maxxlife Financial Inc will assess the risk associated with your work as well as your medical history in order to find a policy that suits your needs.