Disability & Long-Term Care
Disability Insurance
Protect one of your most valued assets — your income.
The possibility of a disabling illness or injury may seem remote, but statistics paint a different picture. Just over 1 in 4 of today’s 20-year-olds will become disabled before they retire. Freak accidents are NOT usually the culprit. Back injuries, cancer, heart disease, mental health issues and other illnesses cause the majority of long-term absences.
Are your clients properly prepared?
Probably not. Most high-income earners will see a shortfall of over 60%. Vanbridge can help you better understand the value of Disability Insurance as part of a financial security plan.
High Limit Disability
Group Carve Out
Multi Life
Individual
Long Term Care Insurance
Many people feel they can afford to self-insure. Is self-insuring the most efficient use of your assets? Long-term care insurance puts you in control.
Approximately 70 percent of those over age 65 will require some form of long-term care during their lives.
Long-term care includes all the assistance you would need with daily living tasks if a chronic illness or disability leaves you unable to care for yourself for an extended period of time.
Helps make sure that you have access to high-quality care should you ever need it.
Hybrid Policies: Long-Term Care Insurance Linked with Life Insurance or an Annuity
Life insurance may be a high priority today, but over time, the need may diminish as the need for long-term becomes a higher priority. These policies allow you to serve both needs.
Traditional
Linked Benefit
Life Based Riders