He explained that Mount Zion would have fared better financially if the church had purchased enough replacement insurance.
2.
Another option if you're self-employed and work from home is to find private disability or income replacement insurance on your own.
3.
In general, the younger you are when you buy disability or income replacement insurance, the less expensive the premiums will be.
4.
Disability or income replacement insurance is becoming more important than ever as the number of people who work from home continues to grow.
5.
If retirees wanted to maintain the previous value, they were told to buy replacement insurance that would become more expensive as they grow older.
6.
Provisions can be made for them as well, by buying a so-called wealth replacement insurance policy that equals the value of the remainder trust.
7.
Many insurance experts and financial planners argue that disability or income replacement insurance is just as important as life insurance, especially if you're self-employed.
8.
To minimize the impact on retirees, Sears is phasing the reduction over 10 years and is subsidizing replacement insurance that doesn't require a physical exam.
9.
If you don't belong to an organization that offers disability or income replacement insurance, you may be able to buy it from your local chamber of commerce.
10.
If you can't afford to buy disability or income replacement insurance _ or don't want to _ try to build enough cash reserves or open a big line of credit to help get you through an emergency, he said.
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