Evergreen Life - Total Disablement
It makes sense to spend a few dollars to cover your family if anything prevents you from working for the rest of your life.
It doesn't happen very often, but it does happen. People who've spent a lifetime developing skills and abilities to build a career on, suffer an illness or injury that means they'll never work again.
Imagine having a major event - whether it's an accident, illness, injury, or even mental illness - and not being able to earn an income for the rest of your life. Total and permanent disability Insurance covers exactly that situation - and because it's not a common claim, premiums are comparatively low.
How it works
Here's how Total and Permanent Disability works: if you suffer an illness or injury that stops you working, and you can't return to the job you had before your accident or illness ever again, you get paid.