The popular show Breaking Bad recently started a debate about the main character, Walter White, and his lack of insurance in the face of cancer.

In the show, Walter White was a public school teacher. He had excellent health insurance.

The problem was that he did not have disability insurance to cover his income through his illness and he did not have life insurance to take care of his family and his final expenses after he died.

Most people are very aware of their need for health insurance, but many are not aware of their need for disability insurance and life insurance. 

According to the Council for Disability Awareness,  just over one in 4 of today’s 20 year olds will become disabled before they retire. Most Americans do not have disability insurance or enough emergency savings to last the average duration of a long-term disability which is 34.6 months.

 What would you do if you became sick or hurt and could not work?

What are your chances of becoming disabled?  Click the link below to find out then call Cornerstone Insurance Agency  at 713-948-0707.

DisabilityCanHappen

The popular show Breaking Bad recently started a debate about the main character, Walter White, and his lack of insurance in the face of cancer.

In the show, Walter White was a public school teacher. He had excellent health insurance.

The problem was that he did not have disability insurance to cover his income through his illness and he did not have life insurance to take care of his family and his final expenses after he died.

Most people are very aware of their need for health insurance, but many are not aware of their need for disability insurance and life insurance. 

According to the Council for Disability Awareness,  just over one in 4 of today’s 20 year olds will become disabled before they retire. Most Americans do not have disability insurance or enough emergency savings to last the average duration of a long-term disability which is 34.6 months.

 What would you do if you became sick or hurt and could not work?

What are your chances of becoming disabled?  Click the link below to find out then call Cornerstone Insurance Agency at 979.553.4343.

DisabilityCanHappen

When asked to list their most valuable assets most people include their home, retirement account, or car but fail to consider their ability to earn a living.

A 35 year old earning $50,000 who retires at 65 could earn $1,500,000 and that does not take into account promotions or raises.

Did you know that 1 in 4 people entering the workforce today will become disabled before they retire? Approximately 90% of all disabilities are caused by illnesses rather than injuries.

While many employers offer group disability insurance, most group plans cover only 60% of your base income for only a few years.  Can you live on half a paycheck?

Check out www.halfapaycheck.com to learn more.

Make sure your family is fully protected.  Call Cornerstone Insurance today.

1. Social Security Administration, Fact Sheet, March 18, 2011
2. The Council for Disability Awareness, www.disabilitycanhappen.org

Over the past two months, the staff here at Cornerstone has worked with four families concerning their individual long-term care needs.  Unfortunately for these families, they waited too late to look into long-term care insurance.  Certain health conditions or past health related events caused them to be turned down by many long term care providers for that extremely important coverage. 

With the cost of long term care continuously increasing, more companies deciding it is not profitable enough to sell during this economic down-turn, and the financial and emotional burden that providing care can place on families, please do NOT wait until something happens that keeps you from protecting your family and your assets.

Call Cornerstone Insurance Agency TODAY! 713-948-0707