Disability insurance provides monthly benefits for loss of income because of covered injuries and illnesses. After a pre-determined time period, it typically pays a percentage of your income for as long as you're disabled. If you depend on your income to maintain your lifestyle, disability insurance is something you should consider adding to your portfolio.

The odds of becoming disabled are high

• your chances of winning the Lotto 649 is 1 in 13.9 million
• your chances of dying during your working career is 1 in 8
• your chances of becoming disabled for 90 days or longer at least once prior to age 65 is 1 in 3
• the average length of a disability which lasts over 90 days is 2.9 years

It's like your future is hidden behind one of three doors.

Two of them lead to good health. The other leads to disability.

Pick the wrong one and you lose.

Are you willing to play the odds.

Can you afford to let that happen?

Where would the money come from if you ever became disabled.

• Are you willing to deplete a trust funds.
• Or borrow money from family and friends.
• Can your spouses pay all your monthly expenses.
• Would you be willing to sell your home or car.

Your chances of becoming disabled before retirement, either from an accident or illness, are far greater than your chances of dying before retirement.

If you suffered an injury or became ill and were unable to work, whom would you depend on for a monthly income?

While many people insure the things they care about, not everyone realizes the importance of insuring their ability to earn an income.

Disability insurance coverage can help you protect your standard of living if you become disabled.

If your ability to earn an income is your most valuable asset, isn't it worth protecting.

Meeting Your Needs with Critical Illness Insurance from CITY Finance

CITY Finance Advisor can help you begin planning today.