Chances are your clients already insure their life, their car, and their home. But they often overlook insuring their most important asset–their ability to earn an income. That paycheck is the primary source of funding for a lifetime of things, from basic necessities to their long-term hopes and dreams. The millions that can be earned over the course of a 40- or 50-year career is surely an asset worth insuring.

But what would happen to your clients if their income stopped because of illness or injury? Without a paycheck, how long could your client pay rent and utilities, buy groceries, make student loan payments, etc.? In all likelihood, life as they know it would be thrown significantly off course.

The alarming fact is that one in four of today's 20-year-olds will become disabled before they retire.¹ And if you're thinking that most disabilities are the result of freak accidents, you're in for a surprise. The vast majority of disabilities, about 90 percent, are caused by various forms of illness including cancer, mental disorders such as anxiety and depression, muscle and back problems, and heart disease.²