What would happen to your finances if your paycheck suddenly stopped?

In this episode of Business Casual, Keith Smith and Shane Stelma break down why disability insurance may be one of the most overlooked parts of a financial plan. They explain the real risks of becoming disabled before retirement, why group coverage often isn’t enough, and how the wrong policy can leave families financially exposed.

They discuss:

• Why your income is your most valuable asset

• The shocking “1 in 4” disability statistic

• The difference between True Own Occupation and Modified Own Occupation coverage

• Why many high-income earners are underinsured

• Common mistakes people make when choosing disability insurance

• How riders like Future Increase Option (FIO) and Retirement Protection work

• Why younger professionals should secure coverage early

• What happens when someone relies only on employer benefits or Social Security Disability

• Why cheap insurance policies can create major problems during claims

• How disability insurance protects your lifestyle, savings, and retirement future

If you’ve ever thought “it won’t happen to me,” this episode explains why protecting your income matters just as much as protecting your home, car, or investments.

Full episodes available on YouTube, Spotify, and Apple Podcasts.

Learn more about Alliance Financial Group at https://www.afgfl.com/?utm_source=Spotify&utm_medium=longform

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Produced and edited by Troy Davis.