"1 in 3 persons experiencing a disability of 3 months or more" How can that be?

All of you who are readers of my JamesOilerAgent Blogger page know that I've recently contracted with Illinois Mutual to offer Disability Insurance products to individuals and workplace groups. 

What you may not know is this means I'm obliged to read and understand about 600-800 pages of products guides and third party resource materials so I'm well versed in the products, common and less common uses, and technical aspects of these offerings...
Some of the statistics are blowing my mind. At first they are tough to believe but when I think about the sample of people that I know the stats start to ring true.
I found a concise guide to most of the materials I'm reading (sort of a Cliff Notes version) at the www.lifehappens.org web site. (linked below)
1 in 3 persons experiencing a disability of 3 months or more was tough to swallow at first until I started adding up my people. 
The next one I had to prove to myself was the greater risk for women. This one took less time to think through. I know quite a few women who are breast cancer survivors. In my own informal calculus they tip the scales very heavily toward supporting the greater risk for women.
Please find some time to download this 8 page "What You Need To Know About Disability Insurance" guide. It will be worth your time.
Anyone reading this that has substantial student load debt from undergrad and grad school please call me today if you don't have disability insurance. I'd rather serve my friends and family first.

What You Should Know About Disability Insurance

The Most Powerful Penny In Your Dollar

The Secret Insurance
Alright, Disability Insurance isn't exactly a secret. But as our nations attention is drawn so completely to "Healthcare Reform" Disability Insurance has gotten pushed so far out of view that for many people it is a forgotten, or maybe even 'new' concept (younger folks who have entered the job market in the last two years may not even know you can insure your paycheck).

Disability Insurance has been around for a good long while. It has long been known as a great value for protecting your lifestyle from life's hard knocks. But in our current economy many people assume that it is a product that will be priced out of their grasp.

The point I want to get to in this blog post is that a very strong Disability Insurance policy can be had for about 1% of most peoples income. I think it's fair to call it the "Most Powerful Penny in Your Dollar".

This is no stripped down 'starter' product either. For this 1% of your income we're talking about a plan that;
1. Will keep your major expenses from falling into arrears
2. 'Guaranteed Increase Option' to increase the value as your salary grows (with no new underwriting)
3. ADL (activities of daily living) rider.

I've heard several people in the last few days use the phrase "I got a lot of skin in the game". The economic condition of our country has made this phrase fit most everybody I know. Disability Insurance can be used to insulate your family from the trauma this economy is bringing to some households.

If I've peaked your interest in 'insuring your paycheck' reach out to me here.
(402) 250-2244
jamesoiler@cox.net
Let's talk more.