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Excuse Me For Mentioning it, but…

Paycheck Insurance…What is Your Most Important Asset?

Good guess but, it’s not your house or 401K! Our ability to get up every morning and go to work to earn income is by far our most important asset!! Who will pay your bills when you are disabled and can’t work?

Financial planning begins and ends with income planning. Life is just a cash flow, and unless the income flow equates to the outgo, financial chaos ensues. Hurricane Sandy is in your home blowing your money out the doors and windows at 100mph. Savings and credit cards are used up very quickly and the “collection agency grim reaper” stands at your door.

To most people, insurance is an unappealing product. It has no moving parts, no chrome strips. You can’t eat it, ride on it or sit on it. You don’t even hang it on the wall to show your friends. To most, insurance is simply a costly piece of paper that gets tossed into a dark and dusty drawer, never to be thought of until it is time for the premium to be paid.

Paycheck insurance is a different story. It moves. It follows you everywhere. It has attractive accessories called “options.” It is edible, ride-able and sit-able. As a matter of fact, its cash benefits will help pay for anything you desire when a disability strikes and your paychecks have stopped. Paycheck insurance is like a wall safe filled with money, provides peace of mind with the knowledge you and your family will never go hungry, will not lose your home, will be comfortably clothed, will be able to financially achieve educational goals.

Getting sick or hurt and being unable to work affects millions of Americans every year. 48% of all home mortgage defaults are traceable to disability. The statistics are grim, and they suggest this devilish problem could happen to both you and me. Fortunately, there is a solution – Paycheck Insurance.

The greatest financial tool yet devised by the mind of man is paycheck insurance. It provides guaranteed replacement income when you’re disabled and can’t work. It is by all measures, the most critical and the most desirable of all types of insurance.

You may have it through your work benefits. If you do, great! If you don’t we can help you customize a policy to fit your budget and goals. Three questions are critical to ask your work Human Resources person:

  1. How much will they pay?
  2. When does the benefit start?
  3. How long will the monthly benefit be paid?

Our ability to get up every morning and go to work to earn income is by far our most important asset. Who will pay your bills when you are disabled and can’t work?

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