Your disability insurance needs are tied to your income, so there are many times in your life where your needs may change. Whether you receive a raise, promotion, or start a whole new career, you should be updating your disability coverage according to your new needs. Our Grimsby Hometown Life Insurance team can help you build a plan that will grow with you including a rider for a future insurability option. This allows you to increase your coverage when your income grows, without having to undergo any medical underwriting. What sets individual disability coverage apart from group coverage, is that it stays with you, even if you leave your job for another opportunity or to start your own business. Disability insurance protects your ability to retire one day, so if you don’t want to gamble with your retirement, contact our Hometown team in Grimsby to get started.