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Disability and Term Life Protection

Consider these questions.

Disability Questions

  1. Do you currently spend almost everything you earn?

  2. What percentage of your income is covered by long-term disability insurance? How long before long-term disability benefits start? What other resources do you have?

  3. If you became disabled, how long could you afford your existing standard of living without incurring debt or disrupting your long range savings plans?

Life Questions

  1. How many years of replacement income does your current life insurance provide?

  2. What happens to your family’s standard of living once this replacement income is gone?

  3. How will your new loan affect your life insurance needs?

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