Disability Insurance

How will your family be supported if you are the victim of an accident or develop an illness that causes you to lose your ability to earn an income? If you have a family to support and bills you are responsible to pay, you will need a way to replace your income in order to maintain your current standard of living. 


Imagine for a moment what your life would be like for you and your family without your income…not for a week or a month, but perhaps years.  More than one in five workers will be disabled for five or more years during their working careers¹.  The right Disability Insurance can be an important strategy in protecting your income. 


When determining your disability insurance needs, our advisors at Landis Financial Advisors, Inc., will begin by first looking at your current income, existing assets and living expenses. Then we develop a plan to protect your income in the event of partial or total disability. Our experienced advisors will review and advise if you should consider coverage options such as: 

o   Cost of living riders 

o   Waiting periods 

o   Partial vs. total disability 

o   Provisions to cover your own occupation 

o   Future purchase riders for purchasing additional coverage without medical underwriting

o   Other policy features of interest to you  


After we fully assess your financial status and determine which benefits and policy provisions are important to you, we can help you select a disability insurance plan that will protect your income.  


¹Commissions Disability Income Tables A and C, assuming equal weights by gender and occupation class.


Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: PA, CA, CO, CT, DE, FL, IL, KY, MD, ME, MI, MT, NC, NJ, NM, NY, OH, TN, TX, VA

This Material contains only general descriptions and is not intended as any financial or tax advice. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you.  In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. 



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