It’s a question most people don’t want to think about—but it’s one of the most important ones to answer.
“If something happened to me… would my family be okay financially?”
Whether you’re the main breadwinner or a dual-income household, the truth is: most families are one accident, illness, or unexpected diagnosis away from a serious income disruption.
And in 2025, with rising living costs and economic uncertainty, that disruption hits harder and faster than ever before.
💡 The Problem: Most People Are Protecting Their Stuff—Not Their Income
Home? Insured.
Car? Covered.
Phone? Probably has AppleCare.
Your income? Often left completely exposed.
Think about it—your income is what pays for everything else. If that stops, it’s not just your lifestyle at risk. It’s your mortgage, your kids’ education, your savings, your retirement trajectory.
🚨 The Stats Don’t Lie:
- 1 in 4 of today’s 20-year-olds will become disabled before retirement
- 60% of Americans couldn’t cover a $1,000 emergency from savings
- Most group disability policies (if you have one) only cover 40%–60% of base salary—before taxes
The gap is real. And if you don’t have a personal income protection plan, you’re relying on luck. That’s not a strategy.
🛡️ How We Protect Your Income
This conversation falls under Pillar 2: People Protection in our Three Pillars of Protection™ process.
We look at: ✅ Disability insurance – Short-term and long-term, own-occupation if needed
✅ Life insurance – Income replacement, mortgage protection, or legacy planning
✅ Critical illness coverage – A lump sum payout if cancer, stroke, or heart attack strikes
✅ Emergency savings integration – So your plan isn’t 100% insurance-dependent
It’s not about fear. It’s about being prepared.
👨👩👧👦 Who Needs This Most?
- Dual-income households with kids
- Single parents
- Self-employed professionals
- High-income earners whose lifestyle depends on continued cash flow
- Anyone with financial dependents or a mortgage
If your family relies on your ability to earn—your income is your most important asset.
🤝 Let’s Build a Protection Plan That Includes You
Your home and car might be insured. But if your ability to earn is unprotected, the whole system can fall apart.
That’s why our Protection Strategy Session™ starts with you—not your stuff.
No pressure. No quotes. Just a real conversation about what matters most—your ability to provide and protect.
Final Thought
“Most people insure their house. Fewer insure the income that pays for the house.”
Let’s fix that.