Statistics show that a 35-year-old has a 50 percent chance of being totally disabled for at least 90 days before age 65. The average duration of a total disability at 30, 40, and 50 years of age is 2.5 years, 3.1 years, and 3.1 years, respectively. Clearly, protecting one's income in the event of disability is a major priority, particularly with today's long-range financial obligations.

In this section, we will look at the need for disability income protection, consider the basic elements of disability income insurance, and take a look at the products and services Ohio National has developed to meet this growing need. In the separate appendix, we will consider ways to present disability income solutions to your prospects.

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Ohio National is not affiliated with, nor does it endorse or sponsor, any particular prospecting, marketing or selling system.

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