The Case for System Analyst Disability Insurance
If you work as a systems analyst, chances are good that you enjoy a rewarding career. You have the ability to work in the nonprofit and government sectors, as well as the private sector. This gives you a potential salary that falls somewhere between $35,000 and $85,000 per year.
From that salary, you’ll need to pay for your financial obligations. You have a house payment and one or two car payments each month. You have health insurance payments, auto insurance payments, utilities, and more. You may even have business-related expenses. How will you meet those obligations if an injury or illness forces you out of work? Systems analyst disability insurance can help.
Are You Really at Risk?
Not convinced that you’re at risk of becoming disabled? Think that this is only something that those who work in physically dangerous environments should worry about? Sadly, that’s far from the truth. In fact, medical conditions that you cannot defend against are the leading causes of disability in the United States. Conditions like cancer, heart disease, and diabetes can cause you to be unable to work and fall behind on your bills and obligations.
Even just a few weeks out of work could spell disaster for your finances. This is where your systems analyst disability insurance comes into play. It delivers the peace of mind you need to know that you’re protected at all times.
How much coverage do you need?
The first step to finding out how much coverage you will need is to determine the minimum amount necessary for your living expenses monthly. Then, add the other sources of your monthly income without your salary such as an employer’s group disability insurance, your savings, etc.
The coverage of your system analyst disability insurance policy should be close to the difference between your monthly expenses and your expected income. It’s the amount that should be replaced by the monthly benefit from your systems analyst disability insurance.
Who Needs Disability Insurance
Disability insurance is an important asset to have in your life, regardless of your profession or income size. However, having disability insurance is that much more important if:
- You’re the breadwinner of the family
- You have a debt to pay off
- Your employer doesn’t provide any or provides only limited coverage
- You’re self-employed
Getting disability insurance can help you offset some of the risks your job carries. It will protect your financial stability and give you a source of income if you’re unable to produce one yourself.
It Works Simply
The point of disability insurance is simple – to protect you from financial fallout if you’re unable to work for a period of time. To achieve that, your insurer will pay you a percentage of your annual income while you’re out of work. That money can then be used to meet your obligations.
Here’s the catch – each insurer varies. You need to make an informed, accurate, detailed comparison of your options before choosing a provider, a policy, coverage items, or anything else. We can help you do that. We have years of experience working with professionals like you to ensure they are able to find the best possible disability insurance policy and rates.
We Can Help You Find The Best Coverage
We want to ensure you have the financial stability you need which is why we work with insurers across the nation to give you the protection you deserve. When you work with us:
- You’ll be able to review rates from the leading providers of disability insurance to make an informed comparison and a sound decision.
- We quote all major insurance carriers from the US to ensure that you’re getting the best possible coverage, at a rate that’s right for you.
- We’ll help you learn about the different options available to protect your income and ensure you get the peace of mind and financial stability that you deserve.
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. One of the main 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, so 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. Call us today to schedule a meeting and pay a lower rate than you would pay tomorrow and later on.
Own Occupation and Any Occupations
Remember how many years you’ve spent to become a systems analyst? Imagine after all those years you become injured and unable to perform your work tasks. This can be prevented by purchasing a disability insurance policy.
When you get your systems analyst disability insurance, you can choose to get ow occupation or any occupation disability insurance policy. Own occupation disability insurance policy will provide you with monthly benefits in case your disability prevents you from doing tasks in your medical field. Any occupation disability insurance policy, on the other hand, will pay out benefits in case you are unable to perform any job, not only the one in your field.
We Will Guide You
In one survey, 45% of people who have individual disability insurance didn’t know what their policy’s definition of disability is. More than one half of them didn’t know what percentage of their salary they would receive if they were injured and almost two-thirds of participants had postponed buying coverage so they could further study their options.
Our goal is to ensure that you’re able to make an informed decision. We will work with you to make sure you are involved in every step of the process and understand everything about your disability insurance policy before signing your name on the dotted line.
Call us today to learn more. You can reach us at 1-877-221-6198 or you can use the form on this page.