Automobile insurance protects your car in the event of loss…homeowners insurance protects your home in the event of loss…but do you have life insurance to protect YOUR FAMILY in the event of death? Do you have disability insurance to protect YOUR FAMILY in the event of disability?

You may have a small group term life insurance policy through your employer but have no personal life insurance. Maybe you thought it was too expensive…maybe you thought you didn’t need it. But, what happens when you leave your employer? That group term life insurance terminates upon your termination of employment. Yes, you may be able to convert it to a personal life insurance policy but it may not be the right life insurance for you and for your family. A personal life insurance policy is not tied to your employment…it is YOUR policy that you keep for as long as you wish. Have the peace of mind to know that your family will be protected in the event of your death.

No one thinks about being disabled…it can’t possibly happen to me is what you’re thinking. But more and more people are finding out that it CAN happen to them. If you are disabled due to illness or injury, NYS Disability provides 50% of your weekly income up to a weekly maximum of $170. After taxes, you net approximately $150 per week. With a mortgage or rent, utilities, food…just the basics to survive…$150 per week is not enough. What about car payment, credit cards, loans? A personal disability policy protect your income and allows you to have a source of income while you are disabled to pay the basics….your mortgage or rent, utilities, food…to survive.