PENTECO  Financial & Insurance Services

Serving the Nation's Capital & Mid-Atlantic Region
For Over 25 Years
(703) 799-2500 / (866) 4PENTECO




Disability Insurance

Know the Facts

You may have your reasons for not buying individual disability income (DI) insurance. But do you know the facts?

Reason 1: I can always buy coverage later.
People usually don't get healthier as they grow older, and coverage will cost more.

Reason 2: My family and friends will help me.  Or I will use my savings.
Are your loved ones in a position to support you? Do you want them to? And, even with saving 10% of your salary, one year of disability could easily wipe out many years of savings.

Reason 3: I have disability coverage through my employer.
Group disability insurance typically covers 60% of gross income, and benefits are usually taxable. Can you afford more than a 40% pay cut?

Reason 4: It costs too much. I'll purchase it later.
The average annual cost is typically only 1% to 3% of what you earn. Plus, the longer you wait, the more likely the premiums will be more expensive.

Reason 5: It won't happen to me/I expect to stay healthy.
Fact: During the course of your career, you are 3 1/2 times more likely to be injured and need disability coverage than you are to die prematurely.1

Ask me how I can help you protect your income!
Your ability to work and earn an income is your most valuable asset - make sure you have the income protection you need!

Lori Pederson

1 Health Insurance Association of America, 2000

This is a general summary only. Additional guidelines apply. Disability insurance has limitations and exclusions. For costs and complete details of coverage, contact your Principal Life financial representative.


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Principal Life Insurance Company, 711 High Street, Des Moines, Iowa 50392
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