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Disability insurance is often overlooked, but it belongs in every working person’s portfolio.
If you become sick or injured and unable to work, disability insurance can provide you with an income stream until you get back on your feet.
Short-Term or Long-Term
There are two kinds of disability insurance. One helps as you recover from a temporary illness or injury. The other helps if you are never able to return to work.
For practical purposes, disability insurance kicks in after a waiting period. Your Regency agent can help you understand this important component.
The ability to renew disability insurance is an option that makes a lot of sense and should be considered carefully.