Have you ever thought about what would happen if you became sick or hurt and unable to work? Sure, you may have group disability insurance through work, but in most cases, it wouldn't provide enough relief to see you through an extended time off from earning a paycheck, let alone sustain your standard of living.

As an owner of an individual disability insurance policy, you won't have to fear the financial consequences. Acting now to protect your income is financially advantageous to you in another way. The younger and healthier you are, the more likely you will pay lower premiums and face fewer exclusions – limitations based on material health issues – to your policy. In fact, you may not even qualify when you apply for coverage in the future if you experience negative health changes.

Carrying on with your current way of life in the event of a disability would be great, but how much would that peace of mind cost? Would you believe as little as $9.15 per month?

The real question is not "Can I afford disability insurance?" but rather "Can I afford not to have disability insurance?" If you aren't confident in your answer, then you need to assess your insurance needs with our DI Calculators today.