It is essential, when you are shopping around for disability insurance, that you get several cover quotes to ensure that you are getting the best cover for your money. It does not matter what age you are, if you are an adult you should have disability insurance cover. It is never to late to apply and you can be sure that you will not regret having cover against disabilities from a reputable, well-known disability insurance provider.
What is disability insurance cover?
Disability insurance cover will pay out if you are injured and become disabled. If your disability prevents you from working your normal job, or limits your earning potential in any way, your disability insurance cover will allow a certain amount of money every month to cover you for your lost income. Your disability insurance cover will allow you peace of mind so that you know you and your family will be looked after in the event of a serious injury that will prevent you from earning an income.
Why is it necessary to get disability insurance cover?
Although it may be macabre to spend your time considering what life would be like if you were injured, it is necessary for the future wellbeing of yourself and your family. Imagine if you were seriously injured tomorrow and you ended up disabled, either physically or mentally. Would you be able to continue working your job and bringing in the money that pays for your family’s food, the roof over your heads, the debt you may be owing on your house or vehicles, your children’s school fees, your family’s clothing and everything else that gets you by?
Or would you and your family have to drastically downgrade your standard of living? If you are the sole breadwinner, it is likely that you and your family would be in serious trouble if you could not continue to bring in a monthly salary.
With disability insurance cover, you can rest assured that your family and yourself will be taken care of if you are injured and disabled. Depending on what disability insurance cover you choose, you could receive a large pay out that will cover all the needs of you and your family for the rest of your life. This will allow you the space and freedom to come to terms with the change in your life, and to start working through the emotional and physical issues that something like this can bring.
It will also allow your spouse or partner the freedom and space to come to terms with what has happened to you and to spend the time helping you and caring for you without having to worry about taking on the burden of supporting the family financially by his- or herself. Your children will not have to downgrade their lifestyles of lose the possibility of going to university. You will be able to deal with the huge change in your life without having to worry about financial problems.
Where can you find quotes for disability insurance cover?
There are many, many companies who offer free quotes for disability life insurance cover. You can browse companies through the internet and request quotes from several of them. This way you will have a range of quotes to choose from and you will be sure of finding a choice that suits you. It is definitely a good idea to have a few choices to consider before making your final decision.
Some of the companies that offer disability insurance cover include the following:
- Direct Life Cover
- Insurance Points
- African Independent
- All Life
- Old Mutual
- 1Life Direct
- PSG Online
- Instant Life Insurance
Whatever option you choose, it is always a good idea to go with a reputable, well-known insurance provider that has a solid reputation and a satisfied customer base.