Disability Insurance

Your Biggest Asset is You

Beacon Point Insurance Group provides disability insurance to individuals in Independence, Kansas City, Blue Springs, Lees Summit, Liberty, Raytown, and surrounding areas.

When it comes to protecting your assets, one of the most important things you can insure isn’t a material object like your car or home – it’s your ability to work and earn a living. At Beacon Point Insurance Group, we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and can’t work, you’ll need to be protected in order to maintain your standard of living.

With disability income Insurance from Beacon Point Insurance Group, you can continue to pay your bills and keep you and your family from going into serious debt. If you can’t work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.

Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy.

Choosing the right disability coverage is important. In the event you become disabled, you’ll want to ensure that you and your family have enough coverage. A representative at Beacon Point Insurance Group will look at the individual factors in your life and work situation, and help design the best policy that meets your personal insurance needs.

You, disabled? What are your chances?

Higher than you probably think. You 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.

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