Luckiest Man Alive

“So I close in saying that I may have had a tough break, but I have an awful lot to live for.”

These are the final words from Lou Gehrig’s famous “Luckiest Man Alive” speech he gave following his diagnosis with ALS 84 years ago.

On a daily basis, people must balance what they must have with what they should have and what they want to have.

We all know what we MUST have to live – food, clothing and shelter. From a financial perspective we then monitor these things with how much and what kind we can afford. There are some other expenses in this category for living in the world today. Utilities, taxes and a few other items fall in here.

Then we have the things we WANT to have. Recreation, toys, cars, etc. These items only come when we have balanced the MUST haves with some savings.

Then there is this category of SHOULD have. This is the category which people will consider, if they feel they can afford it, or if they see the impact to others from the lack of something in this category. This includes most insurance (life, medical and most-importantly Disability insurance).

Of all of the insurance available today, ONLY ONE insurance type allows ALL other expenses in the MUST have and the WANT to have (if they already have items from this category) to continue uninterrupted!

Disability insurance is not about getting sick or hurt, it is about LIVING! It is about keeping the family and keeping the MUST haves in check!

Why do I (you) need disability insurance? Because once upon a time, 84 years ago, an incredibly healthy athlete named Lou Gehrig was, overnight, diagnosed with a disease that would alter his and his family’s life within a very short time! Disability insurance should be in the MUST have category!