Client Scenario
Amber is a 31-year-old physical therapist from Carson City, NV. She is married with a toddler at home. She received her Doctor of Physical Therapy (PDT) degree five years ago and loves helping people. Amber’s annual salary is $95,000.
Occupation Class: 2A | Non-smoker
Concerns
Amber and her husband have $175,000 in household income. Like 55% of Americans, they have less than $1,000 in their savings account**. She and her husband own a $265,000 home. In addition to the mortgage, other big monthly expenses include $1,000 for daycare and credit card bills. Every day Amber sees people dealing with health issues and knows it can happen to anyone, at any age, at any time. If she couldn’t work due to an accident or illness, the family would need help to make ends meet.
Solution
Amber wants to protect her paycheck and understands the value of getting coverage. She is approved for an Income Protection Disability Income Insurance policy with Accident & Sickness coverage. It provides her a $1,000 monthly benefit up to 2 years after a 90/90 day elimination period.
$73.70 Total Monthly Premium
for her Income Protection Accident & Sickness policy.
