Voted Best Financial Service Company By Black Twin Cities Magazine

The statistics are alarming. What are you doing to protect your income? At New Beginning Financial Group, LLC we take responsibility in protecting our clients’ paycheck.

What is Disability Insurance?

Simply put, individual disability insurance protects your income. An individual Disability Insurance policy pays a percentage of your salary, according to policy guidelines, if you become disabled. Disability insurance policies are customized to meet your needs. You choose:
The amount of coverage (The percentage of your income that the policy will pay)The length of coverage (How long benefits will continue)The elimination (waiting) period (How soon benefits will start)

This coverage is essential if your employer does not offer disability insurance. Employer-provided plans are often limited and they usually don’t travel with you when you change jobs. Therefore, it’s also smart to secure individual protection to supplement any coverage that you receive at work.

Additional Information | Did you know...

1. One in eight people suffer disability each year?
2. Disability is the leading cause of personal bankruptcy and foreclosure?
3. 75 percent of disabilities are caused by illnesses, such as cancer or heart disease, rather than accidents?

Don’t make the most common and critical mistake in financial planning! Now that you know the facts, can you afford to go without DI protection?

For more information about Disability Insurance, make sure to request Wealth Preservation Plan. Contact us today - we can help!

What Risks Will We Accept?
White collarBlue/gray collarPhysicians and surgeonsHigh-risk occupationsPreviously declinedSingle case to large multi-lifeSimplified issue underwritingReturn of premium ridersAssociation discount programsProfessional athletes or entertainersSelf employed