Disability Insurance

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Disability insurance, A.K.A. income replacement insurance, is a type of insurance that will provide income in the event a worker is unable to perform their work due to disability.  Unfortunately, 1 in 4 people will experience a disability in their lifetime, mainly due to musculoskeletal disorders, cancer, mental health issues, or physical injury.  Disability insurance is a vital but often overlooked part of financial planning.  Here's a quick overview of why this short term income protection tool matters:

1. Income Protection: Disability insurance provides a safety net by replacing a portion of your income if you become unable to work due to a disability or injury.
2. Lifestyle Continuity: With disability coverage, you can maintain your current lifestyle and meet essential financial commitments like mortgage payments, bills, and groceries, even when you can't work.
3. Short and Long-Term Options: Disability insurance comes in short-term and long-term variations, allowing you to choose coverage that matches your needs and preferences.
4. Peace of Mind: Knowing you have income protection in case of disability brings peace of mind, reducing stress during challenging times.
5. Early Planning: It's crucial to secure disability insurance before you need it. Waiting until a disability occurs may limit your options and coverage.

Why Choose M.S. Insurance?

Choosing the right life insurance policy is a significant decision, and we are here to make it easier for you.  Through a personalized consultation, we assess your specific requirements and financial situation.  Next, your needs will be tailored to the right product(s).  This process is followed by our research, mainly guided by our access to a multitude of experienced life insurance agents and business owners, as well as through LifeGuide® - an insurance research tool that enables financial institutions, brokers, advisors, agents, & lawyers to make informed insurance-related choices through analysis, comparison and research.

Disability insurance is a crucial component of your financial safety net, ensuring you have financial support when you can't work due to illness or injury.  Don't underestimate its importance in maintaining your financial well-being and peace of mind.  Talk to us by booking a consultation or leaving a message on our home page to explore your disability insurance options.