Disability Guardian Insurance
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The Guardian Disability Insurance Brokerage takes care of everyone’s most valuable personal asset, which is the ability to earn a living. Disability guardian insurance knows that not everyone’s disability insurance needs are the same therefore it tailors its policies to suit the needs of a variety of people in any number of occupations. Both disability Guardian insurance quotes and policies are geared to benefit everyone who seeks out their services.
Disability Guardian insurance helps people in professional jobs such as lawyers, sales professional and executives as well as doctors, small business owners, government workers, consultants, engineers and people in any number of other professionals. Disability Guardian insurance is unique in its field because it is one of the few companies that deals in disability policies and no other form of insurance. This is an insurance company that can guarantee that the rates remain the same until a person reaches age 65. When disability Guardian insurance goes about defining total disability it does so in terms of “own-occupation.” Disability Guardian insurance as well as every other insurance company has its own occupational classes and a rule of thumb is that the higher the class rating something is given, the more reasonable the insurance rate will be.
Disability Guardian insurance provides an extra boost of protection in the event that a disability does befall you. Research in 1985 showed that the chance of developing a disability generally goes down with age but a tremendous amount of people do become disabled before age 65. When any given individual is 25 years of age they have a 58 percent chance of falling victim to a sudden injury or illness, however this number drops four percentage points by the time an individual reaches age 30. At the age of 35, when a person is more or less halfway through their working years, there is a 50/50 chance that they will become a victim of a disability. This continues to decline by the age of 40 when an individual has a 48 percent chance of a disability and by age 45 it drops again eight percentage points to 40. Disability Guardian insurance helps take the sting out of the financial pain of a disability. The disability will affect your life enough without having to worry yourself sicker about you are going to pay your burgeoning pile of bills.
The statistics do continue past the age of 45. At age 50, an individual has a 30 percent chance of becoming disability and at age 55 the chance ids the lowest as it drops to 23 percent. However even a 23 percent chance is still worth being concerned about.
A group insurance plan will protect your assets only so far but most only pay benefits up to 60 percent of a person’s salary and if you already do not earn a very high income, 60 percent is not going to be nearly enough. Disability Guardian insurance seeks to fill in the gaps where your other disability insurance policy leaves out. Take the time to learn more about this disability insurance company and then get them working for you.
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