The media and the medical community all tout the wonders of a healthy, active lifestyle at any age. And even though the "golden years" may bring some physical changes, most people -- young and old -- have come to expect they will live long, healthy and unencumbered lives. Consequently, when you or someone you love is faced with a disabling illness or injury, you are taken by surprise. Having to deal with a disability is not something most people anticipate.

80% of Clients we see has the wrong type of Disability Insurance and don’t Understand the difference between the two major products in this field nl:

If you are on the wrong product you run the chance of not seeing any payments to you should you not be able to work.

Lump Sum benefits normally take 24 months before they pay out.