Accident Only Disability Income Insurance


Compared to other disability income insurance plans, accident only disability is perhaps the most inexpensive. And like many other insurance policies, accident only disability income insurance gives the policyholder benefits so long as they pay the premiums on time. If injured and unable to work, accident only disability income insurance replaces a portion of your income during the time you are out of work. Some people think of disability income insurance as “paycheck protection.” While disabled, the monthly benefits the policy pays out can help protect your home. This is important considering a mortgage or rent payment is often a significant monthly expense.

Accident only disability income insurance is particularly beneficial to young people. Firstly, accident only is cheap so it is affordable for young people. Secondly, younger people are more likely to become disabled through an accident rather than an illness. Therefore, it’s well-advised to consider this option as it is well worth the investment.

Three Questions to Ask Yourself When Considering Disability Income Insurance

1) What living expenses and financial obligations need to be covered every month?

2) Other than your savings, what other sources of income can you rely on to meet your monthly living expenses?

3) If you were out of work because of an injury, what would you and your family have to give up?


Since insurance is oftentimes overwhelmingly confusing, we want to shed light on this industry by answering YOUR questions.  So if you have any questions or concerns, comment below and your question may be the topic of our next video!

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