Any changes to your income, lifestyle, or job (amongst other things) can affect your disability insurance need. Our team of experts at Hometown Life Insurance in Dunnville are here to provide you with support and guidance along the way. By including additional riders (such as a future insurability option) in your policy, it will allow for simple adjustments to ensure your coverage grows with you. In addition, individual insurance can provide you with the freedom to seek a new job or start a business, while your group insurance coverage will only cover you while you are an employee. For individuals that don’t have proper disability coverage, suddenly losing their income may result in them dipping into their retirement savings. When funds are withdrawn, it changes your ability to retire. You may have to work longer, have a much lower income in retirement, or maybe never retire at all. Don’t gamble with your retirement, disability insurance provides the protection you need.