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Disability

How long could you afford to be without a paycheck?

Do you save any of your annual income? 48% of U.S. families don’t.*

Retirement savings?

One-third of us have none.* 68% of adult Americans have NO savings earmarked for emergencies.*

It happens more often than you’d imagine:

Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire.* Over 37 million Americans are classified as disabled; about 12% of the total population.* More than 50% of those disabled Americans are in their working years, from 18-64.*

Disability prevents people from earning a living:

The average group long-term disability claim lasts 34.6 months.*
The average individual disability claim lasts 31.6 months.*
One in eight workers will be disabled for five years or more during their working careers.*

*Source: Council For Disability Awareness

Registered Representative of and securities offered through Securities Management & Research, Inc. (SM&R) Member FINRA/SIPC. Investment advisory services offered through BFC Planning, Inc. Hames & Co., American National family of companies, SM&R, and BFC Planning, Inc. are independent entities. There are risks involved with investing which may include market fluctuation and possible loss of principal value. Particular investments may not be suitable for certain situations. Carefully consider the risks and possible consequences involved prior to making an investment decision. Our firm does not provide legal or tax advice. Be sure to consult with your own legal and tax advisers before taking any action that may have tax implications.