Why Individual Disability Insurance Matters for Texans
Your paycheck does more than just cover bills. It supports your family, funds your goals, and keeps your life moving forward. But what if illness or injury made working impossible? Many people overlook disability insurance until it is too late. Unlike health or life insurance, disability insurance replaces a portion of your income when you cannot work. At Rollo Insurance, we want Texans to feel confident knowing they have this protection in place.
What Disability Insurance Does for You
You might think disability only affects older people or those with risky jobs, but it can happen to anyone at any stage in life. Whether it is a sudden injury or a serious illness, the loss of income can be overwhelming. Social Security disability benefits exist but are often limited and difficult to qualify for. That is why having your own disability insurance is so important.
This insurance provides monthly payments if you cannot work due to disability. It helps cover essentials like your mortgage, utilities, groceries, and other daily expenses. Without it, you might have to rely on savings or loans, putting your financial future at risk. Disability insurance can also fill the gaps left by any employer-provided coverage, which may not be enough for your needs.
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What to Look For in a Policy
Not all policies are created equal. When choosing coverage, consider:
- The definition of disability. Policies that pay if you cannot perform your own job tend to offer better protection than those requiring you to be unable to do any job.
- The monthly benefit amount. This usually equals a percentage of your income before you became disabled.
- How long benefits will last. Some policies pay for a few years while others pay until retirement age.
- The waiting period before payments begin. Longer waits usually lower premiums but mean you must cover expenses on your own at first.
- Whether the policy guarantees renewal and cannot be canceled if premiums are paid.
- Optional add-ons, such as coverage if you can only work part-time or inflation protection.
What Affects the Cost?
Your premium depends on factors like your age, health, job risk, benefit choices, and any extras you include. Younger and healthier applicants typically pay less.
At Rollo Insurance, we say "The Difference Is Real." to encapsulate our dedication to our clients' well-being. Our focus is on securing reasonable premiums, providing comprehensive education on insurance coverage, and protecting our clients valued assets for life.
Rates
Finding the best rates for the coverage you need.
Education
Demystifying coverage, rates, plans, and deductibles—so you understand what you're getting—without boring you or talking down.
Assets
Protecting the most valuable things you own.
Life
A partner who you can call on today, tomorrow, and the rest of your life.
Let’s Protect Your Ability to Earn
Your income is the foundation of your financial security. Individual disability insurance offers peace of mind by protecting this foundation when life throws unexpected challenges your way. At Rollo Insurance, we help Texans explore their options and choose coverage that fits their unique situation. Reach out to us today and take a step toward protecting your financial future.
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