Protecting your ‘Human Capital’

Human Capital refers to the monetary value of a worker’s experience, skills and working years available. Employer/state sponsored disability is inadequate or, at best, a limited solution to risk of loss of the ability to work. With that in mind it is important to acknowledge that every household faces the potential of unexpected disability or death and the loss of income associated with that. In order to mitigate that risk, individuals should consider certain additional insurance products to protect against loss.