Why Interior Decorator and Designer Disability Insurance?
Are you an interior decorator or interior designer? If so, you help your clients create beautiful, functional spaces within homes and businesses. For your efforts, you likely earn somewhere between $23,000 and $109,000 per year. Of course, that income is responsible for paying a significant portion of your family’s financial obligations. What would happen if you were not able to work for a time, and lost a portion of that income? Interior decorator and designer disability insurance can help you make it through those patches.
The Risk of Disabilities
Contrary to what you might think, and what most people believe, the majority of life-altering disabilities are not related to physical injuries. While a small percentage might be due to a slip and fall or an accident, most disabilities are related to health problems that can strike anyone, of any age, of any socioeconomic background, and of any health or fitness level. Threats like cancer, and diabetes, or arthritis, and heart disease can have dramatic implications for your life and your ability to earn a living.
Other Insurance Types Won’t Protect You
You might assume that your health insurance will help, or that your auto insurance will pay out if you’re injured in a car accident. The truth is that both of these can help to pay for medical bills, treatment, physical therapy, medication, and the like, they do nothing about meeting your ongoing financial obligations if you are out of work and unable to earn an income.
What you need is a replacement for your lost income. This can be done only through interior decorator and designer disability insurance.
How Does Disability Insurance Help?
When you purchase interior decorator and designer disability insurance, you provide yourself and your family with a protective blanket. With this type of insurance, the policy will kick in when you have been out of work for a specified period of time with a qualifying condition.
Once that occurs, you will begin receiving payments based on your average monthly income. That money can be used to pay back bills, to buy groceries, and for anything else, you might need. We can help you find the interior decorator and designer disability insurance policy you need.
Finding The Best Disability Insurer For You
The challenge here is comparing your options and making an accurate decision. Insurance companies, disability definitions, coverage areas and amounts, disability insurance rates – these all vary greatly. You need to make sure you’ve chosen the right interior decorator and designer disability insurance policy, and that you’re working with the right disability insurer.
We can help simplify things. We give you the ability to compare disability insurance rates from top-ranked insurance companies around the country. We can also offer guidance and help in understanding how policies and coverage areas work and finding the right solution for your specific needs.
Buy a Disability Insurance Policy While You’re Young
The price of your disability insurance policy depends on the risk of you filing an insurance claim and one of the primary factors that contribute to being graded as a higher risk person is your age. Statistics show that the older you are the more likely you are to become disabled, and because of this, the premiums you will pay get higher as time goes on.
You can buy disability insurance today and save money in the long-term. Each year you age is more money you’ll be paying out in premiums, so don’t think twice about getting disability insurance today. The risk of a disability is ever-present.
Look for Unisex Rates
In general, women pay higher disability insurance rates than men as women are more likely than men to develop a disability that prevents them from being able to work full time. Rheumatism and arthritis are the most common disabilities women encounter, followed by cancer, heart disease, mental health, and diabetes.
Women have also reported that experiencing a disability would be “somewhat devastating” to their family’s finances. Many of the participants in the study said they worry that their cash reserves would last less than a month if they couldn’t work. This only highlights the importance of having disability insurance, but it’s also important to find an insurer that will offer unisex rates and not discriminate against you. That’s what we’re here to do.
We Will Guide You
In one survey, 45% of people who have disability insurance didn’t even know what their policy’s definition of disability is. More than 50% didn’t know what percentage of their salary they would receive if they were injured and almost 70% said they postponed buying coverage so they could further study their options.
Our goal is to ensure that you’re able to make an informed decision and obtain the disability insurance you need for peace of mind. We will work with you to make sure you are involved in every step of the process and understand everything about your interior decorator and designer disability insurance policy before signing your name on the dotted line.
Let us help you find the best rate designed according to your financial needs. We invite you to call us today at 1-877-221-6198. You can also use the form on this page to get in touch with us.