John Ryan

Thanks, Liz.

Thanks, Liz.

Thanks, Liz.

Well, disability insurance is designed to replace a person's income if they get sick or hurt and can't work. Pays the bills, keeps them in their lifestyle. Very important. Life insurance does that. If someone dies, it provides a benefit. They can invest the proceeds and live off the proceeds.

Well, disability insurance is designed to replace a person's income if they get sick or hurt and can't work. Pays the bills, keeps them in their lifestyle. Very important. Life insurance does that. If someone dies, it provides a benefit. They can invest the proceeds and live off the proceeds.

Well, disability insurance is designed to replace a person's income if they get sick or hurt and can't work. Pays the bills, keeps them in their lifestyle. Very important. Life insurance does that. If someone dies, it provides a benefit. They can invest the proceeds and live off the proceeds.

Disability insurance provides the same kind of cash flow if someone's disabled and cannot work at their job.

Disability insurance provides the same kind of cash flow if someone's disabled and cannot work at their job.

Disability insurance provides the same kind of cash flow if someone's disabled and cannot work at their job.

It is true. You have to be careful of the statistics, though. Some of the statistics that get used are like Social Security statistics and which is all walks of life. If we're dealing with more white collar, predominantly white collar risks, it's less frequent, but it's still more likely to occur than death at any age, actually.

It is true. You have to be careful of the statistics, though. Some of the statistics that get used are like Social Security statistics and which is all walks of life. If we're dealing with more white collar, predominantly white collar risks, it's less frequent, but it's still more likely to occur than death at any age, actually.

It is true. You have to be careful of the statistics, though. Some of the statistics that get used are like Social Security statistics and which is all walks of life. If we're dealing with more white collar, predominantly white collar risks, it's less frequent, but it's still more likely to occur than death at any age, actually.

That's right.

That's right.

That's right.

It usually will cover the employee in their job, usually for a certain period of time at least, if they should get sick or become unable to perform the important duties of that job. And benefits usually begin after, say, a 90-day waiting period. And then it pays a certain percentage income replacements.

It usually will cover the employee in their job, usually for a certain period of time at least, if they should get sick or become unable to perform the important duties of that job. And benefits usually begin after, say, a 90-day waiting period. And then it pays a certain percentage income replacements.

It usually will cover the employee in their job, usually for a certain period of time at least, if they should get sick or become unable to perform the important duties of that job. And benefits usually begin after, say, a 90-day waiting period. And then it pays a certain percentage income replacements.

of their income for a set period of time, usually to age 65, if they had a real long-term disability.

of their income for a set period of time, usually to age 65, if they had a real long-term disability.