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Do you know why you don’t have disability insurance?

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Some people make sure they have an active disability insurance policy at all times. Maybe they purchase an individual policy or maybe they purchase group coverage. Either way, they always have what they need.

Conversely, there are people who don't have any disability insurance. While some have a good reason for this, others don't know why they have yet to purchase coverage.

Here are a few reasons why you may not have a policy:

-- You don't understand what it's all about. If you don't know what disability insurance can do for you, you may never look into making a purchase.

-- You are caught up in the many other types of insurance. For example, you may focus entirely too much time on long-term care and health insurance. As important as these may be, you also need to learn more about disability insurance.

-- It can be difficult to find what you want. It's one thing to understand the benefits of disability insurance. It's another thing entirely to find a policy with the right coverage at the right price.

While there may be some very good reasons for not having disability insurance, you shouldn't let this drag you down in the future. Once you realize it's time to buy, take the time to do so.

The best thing you can do is learn more about the pros and cons of disability insurance. From there, it won't be long before you have a clear idea of the benefits, how to make a purchase, and what you will get in return for your money.

Source: Policy Genius, "3 reasons why you probably don’t have disability insurance (and PS, you need it)," accessed May 09, 2016

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