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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 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,

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

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