Top 10 Reasons NOT to Buy Disability Insurance -- Insurance Forum

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Date Posted: Sun, January 18 2004, 17:08:51
Author: Brent D. Gardner, ChFC
Subject:

Top 10 Reasons NOT to Buy Disability Insurance

Top 10 Reasons NOT to Buy Disability Insurance

10. Their spouse could go to work or get another job to replace their income. It's easy to get a job these days.

9. Their kids could help by getting a paper route, work at a fast food restaurant or both.

8. Their mortgage holder or landlord will understand that they cannot pay, and they will let them reside free until they can work again.

7. Their county will not care if they do not pay property taxes.

6. Even if their car is repossessed, they can walk to wherever they need to go. Or, their neighbors and friends will not mind being a taxi.

5. Doctors took an oath to care for people, so they will not mind if your clients cannot pay them.

4. They pay taxes and it is easy to qualify for government disability payments.

3. They can live off their savings. Everyone knows that they have at least five years of income stashed away.

2. They have disability insurance at work and they are sure it does not need to be supplemented. They will always work there and their employer will always offer disability insurance as benefits.

1. They are 100% certain they will never become disabled.

Brent D. Gardner, ChFC
Chartered Financial Consultant
http://members.cox.net/brentdgardner1378/

"Be ever questioning. Ignorance is not bliss. It is oblivion. You don't go to heaven if you die dumb. Become better informed. Learn from other's mistakes. You could not live long enough to make them all yourself." � Hyman George Rickover (1900-86), Admiral, US Navy, advocated development of nuclear subs & ships

The Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC), designations owned and exclusively offered by The American College, signify the highest standards of academic study and professional excellence in the financial services industry.

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