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Your most important asset is not your home, your car, your jewelry or other possessions; it’s your
ability to earn a living. Think about it; all of your plans for the future, from buying a home to putting
your kids through college to building a retirement nest egg, are based on the assumption you will
continue to earn a paycheck until you retire. What would happen if those paychecks stopped?
That is where disability insurance comes in. Disability insurance provides an income to you and
your family if you are unable to work because of illness or injury.
You are 7 to 10 times more likely to suffer an incapacitating illness or injury than premature death.
Think about how much you earn in a year and what that would be over a lifetime. The financial
consequences of a lengthy disability could literally cost you millions. A twenty five year old
individual who makes $50,000 a year and suffers a permanent disability could lose $3.8 million in
future earnings. You don’t hesitate to insure your home, car and other valuable possessions, so
doesn't make sense to insure something that is much more valuable than all those things?
In addition to replacing your income, disability insurance can pay the fixed overhead expenses of
your business, pay off a commercial loan and fund a retirement program. There is a disbility policy
available to address each of these specific needs.
If you are a member of the Asheville Area Chamber of Commerce, you may qualify for discounts on
your disability insurance premiums and a higher disability benefit. Click here for more information.
To learn more about disability insurance and receive a quote, please click here.
ability to earn a living. Think about it; all of your plans for the future, from buying a home to putting
your kids through college to building a retirement nest egg, are based on the assumption you will
continue to earn a paycheck until you retire. What would happen if those paychecks stopped?
That is where disability insurance comes in. Disability insurance provides an income to you and
your family if you are unable to work because of illness or injury.
You are 7 to 10 times more likely to suffer an incapacitating illness or injury than premature death.
Think about how much you earn in a year and what that would be over a lifetime. The financial
consequences of a lengthy disability could literally cost you millions. A twenty five year old
individual who makes $50,000 a year and suffers a permanent disability could lose $3.8 million in
future earnings. You don’t hesitate to insure your home, car and other valuable possessions, so
doesn't make sense to insure something that is much more valuable than all those things?
In addition to replacing your income, disability insurance can pay the fixed overhead expenses of
your business, pay off a commercial loan and fund a retirement program. There is a disbility policy
available to address each of these specific needs.
If you are a member of the Asheville Area Chamber of Commerce, you may qualify for discounts on
your disability insurance premiums and a higher disability benefit. Click here for more information.
To learn more about disability insurance and receive a quote, please click here.
Disability Income Insurance for Business Owners
| Trout Insurance is a full line insurance agency located in Asheville, NC. Trout Insurance offers life, health, disability, Medicare supplement, long term care insurance home and auto insurance for individuals as well as college funding and retirement planning. Christopher Smith, Dave Trout, Jan Trout and Ralph Redpath are independent insurance agents with Trout Insurance. Christopher Smith specializes in group health insurance, employee benefits, insurance needs for business owners, key person disability insurance, disability buy out insurance, individual life insurance, short term health insurance, disability insurance, long term care insurance, group long term care insurance and critical illness insurance. Dave Trout specializes in life and disability insurance, Medicare supplement insurance, retirement planning for individuals and businesses, commercial business insurance and college funding. Jan Trout specializes in individual health insurance. Ralph Redpath specializes in home and auto coverage. Web site design by Christopher Smith. Agency photo by Jason Sanford. |
