Description: Think about how your life would be affected if you couldn’t work to earn your income.
disability insurance (669) disability income insurance (19) protect your paycheck (1)
While some monthly expenses can be reduced or eliminated during times of financial stress, generally, M.U.G. ® expenses* - that is your mortgage, utilities and groceries - must be paid.
This gives you a good starting point for figuring out how much disability income insurance (DI) you might need if you become sick or hurt and totally disabled. Consider factoring in car payments, childcare costs, credit card debt and other monthly expenses.
The Return of Premium Rider* (ROP) provides income protection if you need it and money back if you don’t.