Protect the income that supports your life.

Your income may be your family's most important financial resource.

It pays for housing, food, transportation, education, savings, debt payments, and future goals.

If illness, disability, or death interrupts that income, the financial effects can extend far beyond the paycheck.

Income protection planning starts by understanding which risks could affect your household and what resources may already be available.

Life insurance can provide a death benefit to beneficiaries and may help address the financial responsibilities that remain after someone dies.

Disability insurance may replace a portion of income when a qualifying disability prevents someone from working.

The definition of disability, benefit amount, waiting period, benefit period, exclusions, and other requirements depend on the policy.

Certain life insurance policies may offer accelerated benefits for qualifying conditions.

Depending on the policy, these may relate to critical, chronic, or terminal illness. The specific conditions, benefit amounts, and requirements vary by policy and carrier.

A household can have savings, investments, insurance, and other resources and still face a financial gap when income is interrupted.

Protection planning considers how long your household could continue meeting its obligations if your income were reduced or stopped.

The goal is not to predict every possible event. It is to understand the financial risks and determine whether additional protection may deserve consideration.

WHAT COULD YOUR INCOME BE SUPPORTING?

Who depends on your income?

How long could your household manage without it?

What protection already exists?

What employer benefits are available?

What savings or other resources could be used?

What risks concern you most?

Would your current protection be enough if income were interrupted?

Income protection is not about buying every type of insurance.

It is about understanding the risks, identifying what is already in place, and recognizing where potential gaps may exist.

Different risks may require different solutions. The right approach depends on your income, responsibilities, existing resources, coverage, and circumstances.

PROTECT THE INCOME. PROTECT THE PLAN.

Understanding what could happen to your household income-and what protection already exists-is a practical place to begin.