Employees have at least a 35% greater need for disability insurance than for life insurance between now and age 65.

Descriptive statistics indicate that it is much more probable that an employee will become disabled for as much as a two to five year period, between age 19 and age 65, we work to offer protection for this dangerous situation. There are very valuable combination programs where we can arrange for both short term disability and long term disability on both an employer paid and a voluntary basis.