Disability insurance awareness month is well underway and many of your client’s are still thinking me, disabled? What are the chances?

Higher than you probably think. They can ignore the problem, but it’s hard to ignore the facts:

* Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire.

Accidents are NOT usually the culprit. Back injuries, cancer, heart disease and other illnesses cause the majority of long-term absences.

Are your clients prepared if it happens to them? Are you asking them? If they are like most Americans, they don’t have disability insurance. Or enough emergency savings to last 34.6 months. Yes, that’s the duration of the average long-term disability claim.

Click here for some real life stories.