Long Term Disability Insurance......Dave Ramsey's Advice

"Have you forgotten to insure your greatest asset...most people have." Dave Ramsey     Your ability to work and earn a living is your greatest asset. If you became disabled, how would you pay your mortgage, buy groceries, or provide for your families needs? Following Dave Ramsey's advice on disability insurance will make sure your family's protected while not overspending. Purchase Long Term Disability with a benefit period no less than 5 years. Consider Employer or Association plans if available but only if they offer the benefits your family needs. Have a benefit of at least 60-65% of your current income. Select 90-180 day waiting periods to save money on monthly premiums. Avoid short term plans (2 years or less) and other supplemental programs like cancer, accident or critical illness policies. Rely on your emergency fund instead. Avoid add-on riders that raise your cost but not your protection.       If you have already taken care of this important matter please forward this to someone you think it might help.   Long Term Disability Insurance......    As many of you know I'm a big fan of the advice that Dave Ramsey provides on his outlets. 'Tha'-Wifey-Rhonda' and I just finished his Financial Peace University class. While Dave Ramsey and I disagree slightly on GIUL investments I love almost everything else he provides. Here is his advice on Long Term Disability policies. He also promotes Zander Insurance. I've done the research and have found Zander to be an incredible company. My team also provides Long Term Care policies. Follow his advice and choose the company that is the best fit for you. Hopefully you will choose the Positive Vibes Financial Team to serve your needs. Call us ! If you're not familiar with Dave Ramsey visit: www.daveramsey.com/ He's a host of a nationally syndicated radio program discussing personal finance topics. Strongly emphasizes reducing, avoiding, and eliminating debt. Peace & prosperity, DJ Seko & Wifey Rhonda VArner Positive Vibes Financial & Positive Vibes DJs Cell/Office: 757-248-3820 Fax: 866-400-0201 http://www.happilyeverafter.be