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Analyze Your Disability Insurance Needs
Of 1,000 Males and Females, how many will be disabled for
90 days or more before age 65?
| |
Age |
| |
25 |
30 |
35 |
40 |
45 |
50 |
55 |
60 |
| Male |
407 |
389 |
371 |
351 |
325 |
290 |
236 |
150 |
| Female |
468 |
446 |
419 |
383 |
336 |
279 |
208 |
121 |
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In a year, what are the odds between death and a disability
that lasts at least 90 days?
Is your future income worth protecting? Assuming a 2% raise
each year, these are your potential earnings up to age 65.
| Current Monthly Income |
| At Age |
$2,000 |
$3,000 |
$4,000 |
$5,000 |
$7,000 |
$10,000 |
$15,000 |
| 25 |
1,449,648 |
2,174,471 |
2,899,295 |
3,624,119 |
5,073,767 |
7,248,238 |
10,872,357 |
| 30 |
1,199,867 |
1,799,801 |
2,399,735 |
2,999,669 |
4,199,563 |
5,999,337 |
8,999,006 |
| 35 |
973,634 |
1,460,451 |
1,947,268 |
2,434,085 |
3,407,719 |
4,868,170 |
7,303,254 |
| 40 |
768,727 |
1,153,091 |
1,537,454 |
1,921,818 |
2,690,545 |
3,843,636 |
5,765,454 |
| 45 |
583,137 |
874,705 |
1,166,274 |
1,457,842 |
2,040,979 |
2,915,684 |
4,373,527 |
| 50 |
415,042 |
622,563 |
830,084 |
1,037,605 |
1,452,647 |
2,075,210 |
3,112,815 |
Would you rather choose Job A or Job B?
| Job A |
Job B |
| $50,000 income while you are working. |
$49,000 income while you are working. |
| $0 if you are unable to work. |
$31,200 tax-free if you are disabled. |
| (Male, non-smoker, age 35, occupational
Class 4A) |
*Sources: 1985 Commissioner's Disability Table A (Experience
Table) & CIA 86-92 Aggregate Mortality Table.
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