If you’re self-employed, a manager, or a salaried employee with no group insurance plan, it’s important to protect your income in case of disability. Did you know that the risk of being disabled in the course of your working life is three times higher than the risk of dying? Disability insurance is a must for you and your family’s financial security—and your peace of mind.

Disability insurance isn’t designed for short-term absences resulting from minor accidents or illnesses. It’s meant to compensate for extended or permanent loss of income due to serious illness or accident.

The contractual definition of disability, the amount of insurance, and the waiting period are three important aspects to consider when choosing disability insurance. Remember, disability is a real threat that can directly affect your ability to earn a living.

At TWIS, our financial security advisors are standing by to help determine your needs.

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