Disability Insurance

Let's face it, nobody likes to think about what life would look like should disability strike, but the reality is one third of all Americans between the ages 35 and 65 will become disabled for more than 90 days. According to the American Council of Life Insurers, one in seven workers will be disabled for more than five years, and while many people think that disabilities are typically caused by freak accidents, the majority of long-term absences are actually due to illnesses, such as cancer and heart disease. The loss of income can be so devastating that 46% of all home foreclosures are caused by a disability, according to the U.S. Department of Housing and Urban Development.

You have worked hard for your way of life, and perhaps your most valuable asset is your ability to provide an income. In fact, it is the one asset that makes all your other assets possible — your home, your car, your possessions, and your savings for the future. Are you doing all you can to preserve your quality of life and plans for the future?

Buying an individual disability income plan can be tricky and just like life insurance, prices will vary based on a host of factors including one's age, gender, amount of coverage and health status. Even one's occupation can affect premiums. You obviously want to make sure you buy the right type of policy and the appropriate amount of coverage. Dodd Consulting, LLC would welcome the opportunity to discuss these important matters with you.

Dodd Consulting, LLC, and their agents are presently licensed to sell traditional life insurance in CA (License # 0744071 and 0698863), CO, CT, FL, GA, IL , KS, ME , MD , MA, NH, NJ, NV, LA, NY, NC, OH, OK, PA, TX, VA, AL, RI, SC. Insurance services are limited to residents of the above listed states. Residents of other states should consult with a local agent for insurance services. Securities offered in CA, CO, CT, GA, IL, MA, NC, NH, NJ, NY, PA and VA. This site is not intended as an offer to sell securities, which may be done only after proper delivery of a prospectus and a client suitability review. Proper state registration is mandatory prior to conducting business in any state.

All concepts and information on this website are general in nature. Your specific situation can be different. Information on this web site is viewed with the understanding that Dodd Consulting, LLC does not engage in the practice of law, or give legal or tax advice. For advice in these areas and their applications to specific transactions, please consult your appropriate advisors. Any difference between the information on this website including booklets or other materials in any presentation and the insurance or non-insurance contracts, the insurance or non-insurance contracts always take precedence.