Disability Planning

You have a vision for your future and you want to make it a reality. You want to grow your wealth and achieve your financial goals. But how can you be sure that your income and assets will be protected if you become disabled and unable to work? That’s why you need a smart disability planning strategy that can help you maintain your lifestyle and financial security. At Wealth Ladder Consulting, we help you understand your disability planning options and make smart disability planning decisions for income protection. We use a comprehensive disability planning approach that combines the benefits of a disability income insurance policy and a special type of life insurance policy. This type of life insurance policy is a permanent coverage, meaning it can last your entire life and build cash value. Unlike other types of life insurance, this policy allows you to link the cash value to a market index, such as the Russell 2000, without directly investing in the market. This way, you can enjoy the potential growth of the market, up to a certain limit, without risking losses if the market goes down. The policy also guarantees a minimum interest rate for your cash value, regardless of the market performance. By using this type of life insurance policy, you can enjoy these tax benefits:

This type of life insurance policy can help you increase your disability planning and security, as it can give you:

A disability income insurance rider that can provide you with a monthly income if you become disabled and unable to work for a certain period of time. This can help you cover your living expenses, pay your bills, and save for your future.

A lifelong protection and a cash value that can give you income and security for as long as you live, no matter how long you live. This can help you supplement your retirement income, pay for medical expenses, and leave a legacy for your loved ones.

A way to access your money when you need it, as the cash value can be withdrawn or borrowed from at any time, without any restrictions or penalties, as long as you follow the rules of the policy.

A way to protect yourself from market risk, as the cash value and the death benefit are guaranteed by the insurance company, as long as the policy stays active and the premiums are paid.

We can help you create a life insurance policy that fits your needs, goals, and risk level. We can help you pick the type of policy, the amount of coverage, the premium payment plan, the market index, and the withdrawal and loan strategies that work best for you. We can also help you check and change your policy over time, as your situation and goals may change. We can help you see how your policy is doing, update who gets the money when you die, and make any changes to your policy to make sure that it gives you the best tax benefits. If you want to know more about how we can help you boost your disability planning and security with a special type of life insurance policy, please contact us today for a free chat. We are happy to hear from you and help you protect your income and assets.