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If you have any doubts as to how you or your family would manage without your income for a period of time, you’re overdue for a disability insurance check-up.

STEP 1: Check out LIFE’s website. It offers a wealth of information about disability insurance and the buying process. Spending some time on our website will educate you about key insurance terms and concepts, and give you the knowledge you need to make well-informed decisions.

STEP 2: Figure out if you need additional disability income protection. Some people have excellent disability coverage through their employers. Others might be able to rely on their spouse’s income in the event of a disability. Most workers, however, will have some sort of a disability income gap. To find out if you need additional coverage, check out LIFE’s disability income insurance needs calculator. It'll walk you through the process and provide you with an estimate of your insurance needs in a matter of minutes.

STEP 3: Seek professional advice. There are lots of factors to evaluate when considering a disability insurance purchase. If your employer offers coverage, start by speaking with your benefits manager. Many companies offer their employees the opportunity to increase their disability benefits through voluntary payroll deductions, and it’s often easier to get additional coverage through work than to buy it on your own. Buying a policy outside of the workplace also has its advantages. Importantly, a policy you own individually will always stay with you, even if you change jobs multiple times. When you’re ready to shop, it’s always a smart idea to seek assistance from a qualified life insurance professional. A good insurance advisor will take the time to carefully assess your needs, and provide you with options from which to choose. Our Web site offers tips on how to find a good agent, and our agent locator will help you pull up the names of agents in your community.

Don’t gamble with your financial future for one more minute. Take charge of your disability insurance situation today and rest easier knowing you and your loved ones would be taken care of if something were to happen to you.

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