1.Protects Your Income:

IDV provides a safety net by replacing a portion of your income if you become disabled and can't work.

2.Customizable Coverage:

 You can tailor IDV to fit your needs, ensuring you have the right amount of coverage to maintain your lifestyle. 2.

3.Complements Other Policies:

IDV can work alongside other insurance policies like health or life insurance to provide comprehensive protection.

4.Coverage for Various Disabilities:

 It covers a wide range of disabilities, from temporary injuries to chronic illnesses, ensuring financial support during tough times. 2.

5.Flexible Payment Options:

You can choose payment options that suit your budget and financial goals, offering peace of mind without breaking the bank.

6.Tax Benefits:

In many cases, premiums for IDV may be tax-deductible, providing additional financial relief.

7.Portable Coverage:

Unlike some employer-based disability insurance, IDV stays with you even if you change jobs, giving you continuity and stability.

8.Early Application is Key : 

Applying for IDV when you're young and healthy can result in lower premiums and better coverage, so it's wise to plan ahead.