The prioritization of Life Insurance is simple to understand – death is an inevitability we all accept. Disability on the other hand is easy to put out of mind and dismiss as an ominous specter haunting an unlucky few. Statistics, however, paint a different picture; per the National Safety Council, a disabling injury occurs in the U.S. about once every second, with a 35-yr Old having up to a 50% chance of becoming disabled for a 90 Day period or longer before they reach retirement.
Unfortunately it tends to be the case that generally healthy people do not believe they will ever experience a disability – a phenomenon Psychologists refer to as the “Normalcy Bias” – which means many leave their future financial security under protected. For this very reason, Hanleigh offers a suite of products to meet all your specialty risk needs and fill the gaps where the domestic market falls short.