The Risk Families Underestimate
Statistically, disability and serious illness are far more likely than premature death—yet they are the least planned-for risks.
Medical advances increase survival rates—but survival often brings:
- Extended recovery time
- Reduced earning capacity
- Ongoing medical expenses
The Financial Reality of Illness
Without income protection:
- Savings are depleted
- Debt increases
- Retirement plans derail
- Stress slows recovery
Disability income and critical illness coverage provide financial breathing room when families need it most.
Why This Coverage Is Now Essential
Modern families rely on dual incomes and tight budgets. Even a short-term income interruption can trigger long-term instability.
Planning for health-related income disruption is no longer optional—it’s essential.
