Скачать или смотреть The One Type of Insurance Everyone Forgets

In this video, I’ll go over the one type of insurance almost everyone forgets, disability insurance, also known as income protection insurance. I’ll explain how disability insurance replaces income after an illness or injury and how short term disability and long term disability coverage work. We’ll break down income replacement, monthly benefits, elimination period, waiting period, own occupation vs any occupation, policy riders, premiums, tax treatment, and how this coverage protects your paycheck and financial security.

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Be sure to watch this video all the way as I cover real examples of paying rent, mortgage, groceries, health insurance, and bills without a steady income. I’ll walk through policy features like benefit period, cost of living adjustment, future increase option, residual disability, noncancelable coverage, guaranteed renewable policies, and how employer coverage compares to private disability insurance. You’ll also learn about pricing factors such as age, occupation, salary, risk level, self employed income, small business owner needs, freelancers, primary earner protection, and how to compare quotes using a business insurance comparison tool.

Disability insurance is about protecting income, managing financial risk, and building a smart financial plan before a medical emergency hits. This video helps you understand income protection, paycheck protection, long term financial stability, savings protection, debt prevention, and how to choose the right disability policy for your situation. If losing your job income due to accident, cancer, stroke, chronic illness, surgery recovery, or pregnancy complications would disrupt your budget, this guide will help you plan with confidence and make informed insurance decisions.

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Thanks for watching, and best of luck!

– Eric

#DisabilityInsurance #IncomeProtection #PersonalFinance

Timeline:
0:00 - Introduction
0:41 - Understanding Liability Risk
2:00 - What Is Umbrella Insurance?
3:47 - Who Needs Umbrella Insurance?
5:07 - How Much Umbrella Coverage Should You Get?
6:17 - The Often-Overlooked Disability Insurance
8:52 - Practical Steps to Get Covered
10:24 - Conclusion
11:03 - Outro

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In addition, we are not financial advisors. InsuranceWise does not provide tax, legal, or accounting advice. The ideas presented in this video are for entertainment purposes only. Please do your due diligence before making any financial decisions.