DISABILITY INSURANCE--- EVALUATING YOUR NEED

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" bgproperties="fixed" background="039285a1erlcgo.png"> <div> <FONT SIZE="5" COLOR="#FFCC66" FACE="Arial" ><B>LIFE, DISABILITY, MEDICAL, MEDIGAP, DENTAL, LTCI and ANNUITIES </B></FONT><B>     |     </B><A HREF="index.htm" TARGET="_top" TITLE="LIFE, DISABILITY, MEDICAL, MEDIGAP, DENT"><U><B>home</B></U></A></div> <div>                                                   </div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFCC66" TEXT="#080000" background="038d2c00dkelyh.png"> <div> W. Forrest Veal, CLU</div> <div> P. O. Box 700222</div> <div> Dallas, TX 75370   </div> <div> 972 250 6516</div> <div> 1 888 845 8325</div> <div> Fax 1 775 542 0808</div> <div> Email - vealbs@juno.com </div> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I> DISABILITY INSURANCE--- EVALUATING YOUR NEED</I></div> <div> Have you ever thought about this question? "If you had been on the horse instead of Christopher Reeve, what would your life look like today?"</div> <bR> <div> Other questions to consider!</div> <bR> <div> 1. How much money would you need every month should you lose your ability to work (and your income) because of a serious accident or sickness?</div> <bR> <div> 2. How long could you and your family go without a check?</div> <bR> <div> Many people rely solely on the group Long Term Disability coverage provided by their employer. They are fortunate to have a caring employer but it should be remembered that if you leave that employer, the next one may not have a plan. Also, group LTD usually provides only a basic benefit that is received as taxable income because the premium is paid by the employer. A companion individual disability income plan has many advantages and you may want to consider one with a conversion option to a Long Term Care Plan.</div> <bR> <div> To learn more about an individual disability plan, and to calculate your income needs to sustain you through a period of disability, click on the following web site. Then place your pointer on "Disability Insurance" and from the drop down menu select "How much do I need?. You then will have a choice of reading an example before going to the Disability Needs Calculator.  </div> <bR> <div> <A HREF="http://www.life-line.org" TARGET="_top" TITLE="http://www.life-line.org"><U><B>www.life-line.org</B></U></A></div> <bR> <div> <B>After you have determined your need for disability insurance, you may request a proposal for a plan from Forrest Veal by clicking on </B><A HREF="id34.htm" TARGET="_top" TITLE="REQUEST FOR QUOTE"><U><B>"Request for Quote Form".</B></U></A></div> <bR> <div> <B>To return to the Table of Subjects, click on "home" in the above blue border.</B></div> </td> </tr></table></body>