{"id":38,"date":"2019-07-16T03:25:09","date_gmt":"2019-07-16T03:25:09","guid":{"rendered":"https:\/\/albertainsurance.agency\/?page_id=38"},"modified":"2020-11-19T14:35:18","modified_gmt":"2020-11-19T14:35:18","slug":"life-and-disability","status":"publish","type":"page","link":"https:\/\/albertainsurance.agency\/?page_id=38","title":{"rendered":"Life and Disability"},"content":{"rendered":"<p><span style=\"font-size: 14pt;\"><em>To get a quote please\u00a0<a href=\"https:\/\/albertainsurance.agency\/?page_id=54\" target=\"_blank\" rel=\"noopener noreferrer\">contact us<\/a>.<\/em><\/span><\/p>\n<p>You are never too young to buy\u00a0<strong>Life insurance<\/strong>, since the younger you are, the lower the cost of your premium.<\/p>\n<p>It will be time for you to re-evaluate the right type of insurance for you to ensure you are covered properly.<\/p>\n<p><strong>Income Protection<\/strong><\/p>\n<p>Accidents and Sicknesses happen every day! What would you do if it happened to you?<\/p>\n<p><strong>Disability Insurance<\/strong>\u00a0is meant to provide you with an income when you can&#8217;t work due to an injury or illness.<\/p>\n<hr \/>\n<p>When purchasing life insurance, the question really isn\u2019t how much you need, but how much capital your family will need at the time of your death, which depends on two variables:<\/p>\n<ol>\n<li>How much will be needed at death to meet immediate obligations?<br \/>\nThis amount takes into account all final expenses: uncovered medical bills, funeral and estate-settling costs, outstanding debts, mortgage balance and college costs to name a few.<\/li>\n<li>How much future income is needed to sustain the household?<br \/>\nThis is the number you\u2019ll arrive at after calculating the \u201cpresent value\u201d of cash-flow streams your family will need after your death.<\/li>\n<\/ol>\n<p><a href=\"https:\/\/lifehappens.org\/insurance-overview\/life-insurance\/calculate-your-needs\/\" target=\"_blank\" rel=\"noopener noreferrer\">Estimate how much life insurance you should have.<\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>To get a quote please\u00a0contact us. You are never too young to buy\u00a0Life insurance, since the younger you are, the lower the cost of your premium. It will be time for you to re-evaluate the right type of insurance for you to ensure you are covered properly. Income Protection Accidents and Sicknesses happen every day! &hellip; <a href=\"https:\/\/albertainsurance.agency\/?page_id=38\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Life and Disability&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-38","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/albertainsurance.agency\/index.php?rest_route=\/wp\/v2\/pages\/38","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/albertainsurance.agency\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/albertainsurance.agency\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/albertainsurance.agency\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/albertainsurance.agency\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=38"}],"version-history":[{"count":6,"href":"https:\/\/albertainsurance.agency\/index.php?rest_route=\/wp\/v2\/pages\/38\/revisions"}],"predecessor-version":[{"id":229,"href":"https:\/\/albertainsurance.agency\/index.php?rest_route=\/wp\/v2\/pages\/38\/revisions\/229"}],"wp:attachment":[{"href":"https:\/\/albertainsurance.agency\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}