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Get Inexpensive Disability Insurance Today Before You Are Dying

By Ruth Flores

Most Americans consider insurance to be an important thing to have. We know that our coverage is there for us in the event of injuries and illnesses. With insurance, we are free to take chances that we may not take otherwise, and have the ability to get back on our feet if those chances don’t work out the way we expected them to. Each person has unique needs when it comes to insurance coverage. Automobile or liability insurance is a “must have” if you want to drive a car in the United States.

When getting a mortgage to buy a home, the bank will require that you purchase homeowner’s insurance to protect you and also their investment. Arguably the most important type of insurance is medical insurance. When you or someone in your family needs medical treatment, health insurance ensures that you get it. If you are gainfully employed, it is likely that the business you work for offers a plan. You should seriously consider purchasing health insurance if your job does not provide it to you.

An extremely important form of insurance that can really impact your life is disability insurance. When a person’s health fails and prevents them from working, disability insurance comes and saves the day. The disability can be for short term or long term. The disabled person gets paid by the insurance company so that they can pay their bills.

Even though it is not the same as life insurance, disability insurance is no less important. Consider if you fell down, maybe even on the job, and were unable to report to work for some weeks. How would you get by during that time off? Not only would you be bringing in no income in the interim, but you would have the added expenses of your medical bills. If you’re like me, you will probably say, “No!” this coverage chips in such times, when you need financial help the most.

Some people believe that disability policies are unlikely to be used and also very pricey to purchase. Both of these are myths. Disability insurance is actually something that most everyone can afford because more and more insurers are being added to this sector of the insurance industry. When you think of how life can throw you curve balls at any time, it makes sense to look into this type of coverage. Isn’t it?

Individual Health Insurance Idaho One of the best strategies for young professionals to use is the Graded premium schedule. And be capable of handling the higher premium. Certainly a policy with one exclusion is better than not having a policy at all.

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Article Citation
MLA Style Citation:
Flores, Ruth "Get Inexpensive Disability Insurance Today Before You Are Dying." Get Inexpensive Disability Insurance Today Before You Are Dying. 7 Oct. 2010. 21 Dec 2014 <>.

APA Style Citation:
Flores, R (2010, October 7). Get Inexpensive Disability Insurance Today Before You Are Dying. Retrieved December 21, 2014, from

Chicago Style Citation:
Flores, Ruth "Get Inexpensive Disability Insurance Today Before You Are Dying"

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