financial tip of the week...

by Genya Harley 

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What's in your Mom or Dad's wallter?
Hello All:
I can't wait to see all of you at the Wealth & Health Seminar on Sat. 11/12 from 9am - 3pm at the Matteson Hotel & Conference Center, Matteson, IL. YOU MUST REGISTER for this event...don't wait! Go to REGISTER TODAY!!! This is event is not to be missed!

Today, I want to you tell about Disability Income Insurance. I am finding that many people do not have this coverage and it can make all the difference in the world if you become disabled while you are employed or even self-employed. This coverage allows you to continue your income if you become disabled or have a critical illness like a stroke or cancer.
FYI- My father (is retired) and just went into the hospital this past week with a blood clot in his lung...he won't get out of the hospital until Tuesday this week...can you imagine if he didn't have insurance or if he was working what the effects might be to his income with short or long term illness???
Your most valuable asset is your ability to earn a living. How would you continue to support yourself or your family if you were disabled for any length of time because of an illness or injury?
You may have heard of it simply as short-term or long term disability coverage. If you don't have this coverage as a part of your benefits at work I would seriously consider obtaining this supplemental coverage. You will be amazed how little this coverage costs per month. I have a client who is in his early 40's paying a little as $30 a month.
It is imperative if you are a business owner or self-employed that you obtain this coverage!
Here is a summary:
Short-term accident only - you can obtain monthly income coverage (max. $5000) for up to 2 years if you are disabled due to an accident.
Short-term accident & sickness - you can obtain monthly income coverage (max. $5000) for up to 2 years if you are disabled due to an accident or sickness.
Long-term accident & sickness - you can obtain monthly income coverage (max.$10,000) for up to 2, 5 or 10 years or until age 67 if you are disabled due to an accident or long-term sickness(this can include critical or terminal illness).
Business Operating Expense - you can obtain monthly income coverage (max. $15000) for a year or 1 1/2 years if you are disabled due to an accident or sickness and you are a business owner.
The monthly income you receive will help you with your monthly mortgage,/rent, bills, education expenses, medical bills etc. Think about it!
There are more benefits that you can add to these policies by obtaining additional (riders)...I strongly encourage all of you to consider. If you would like to sit down and review your current coverages, I can provide a no-cost, no obligation financial analysis.
Give me a call if you have any questions or email me at my information listed below. Thank you.

Until next always be safe, use wisdom.


If you would like more information or if you have any comments, questions or suggestions, please call me or email me at 773-251-1865 or, or

Genya Harley
Financial Consultant
Mutual of Omaha
19255 Everett Lane, Suite C
Mokena, IL 60448

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