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Payment Protection
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Disability and Term Life Protection
Consider these questions.
Disability Questions
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Do you currently spend almost everything you earn?
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What percentage of your income is covered by long-term disability insurance? How long before long-term disability benefits start? What other resources do you have?
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If you became disabled, how long could you afford your existing standard of living without incurring debt or disrupting your long range savings plans?
Life Questions
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How many years of replacement income does your current life insurance provide?
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What happens to your family’s standard of living once this replacement income is gone?
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How will your new loan affect your life insurance needs?
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