Disability

The risk of a disabling illness or injury that prevents a worker from doing his or her job is more significant than most people realize.  According to information compiled by the National Association of Insurance Commissioners (NAIC), a male worker at age 35 faces a one-in-four chance of a disability taking him off the job for 90 days or longer during his working career.  A 35 year-old female faces a nearly one-in-three risk of a disability lasting at least 90 days before reaching retirement.  In fact, the risk of an extended disability during a worker’s career is six times greater than the risk of premature death; yet most workers would never think of going without life insurance protection for their families.