cover of episode The Critical Insurance Most People Don’t Realize They’re Missing

The Critical Insurance Most People Don’t Realize They’re Missing

2024/11/13
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The Money with Katie Show
AI Deep Dive AI Chapters Transcript
People
K
Katie
K
Katie Song
L
Lacy
Topics
Katie 强调了残疾保险的重要性，特别是对于高收入人群，指出人们往往低估了其价值。Lacy 分享了她的个人经历，突发性耳聋使她无法继续从事高薪工作，而她购买的私人长期残疾保险为她提供了重要的经济支持。Katie Song 作为理财规划师，深入分析了残疾保险的类型、选择策略以及理赔注意事项，指出对于自雇人士和家庭主要收入来源者来说，残疾保险至关重要。

Deep Dive

Chapters
This chapter discusses the potential risks and downsides in a high-income career, emphasizing the importance of protecting one's ability to continue earning.
  • High-income individuals often face significant risks if they suddenly lose their ability to work.
  • Health insurance and term life insurance are not enough; disability insurance is crucial.
  • One in four 20-year-olds will have a disability before retirement age.

Shownotes Transcript

At her career’s height, Lacy was earning more than a million dollars per year (!) as an executive at a major bank. Then, one early morning, Lacy woke up and realized she was unable to hear anything in her left ear, experiencing something called sudden sensorineural hearing loss. She feared the worst: Her career, as she knew it, was over.

Fortunately, Lacy had purchased a valuable insurance policy a decade earlier. And you don’t have to be pulling down seven figures like Lacy to benefit in the same way.

Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/disability-insurance).

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