If you DO NOT KNOW three (3) people who will pay your Mortgage, Grocery, Utilities, Car Note, Credit Card, Personal and/or Business Expenses then call (205) 665 - 3843 or (205) 960 - 0935 and find out how to QUALIFY for Income Replacement or Disability Insurance to protect you when you incur a Sickness or Accident. (L.I.M.R.A. - Life Insurance Marketing Research Association states that 78% of Americans could not survive a "Loss of Paycheck" for three months or longer). (L.I.M.R.A. 2011 Study of Income Protection and Loss of Income). Your Personal Paycheck is PROTECTED if you CANNOT WORK. Your most important ASSET is Your Ability to Earn an Income and when that Inocme STOPS - your Life will CHANGE. Call TODAY and take that first step in knowing that your Expenses can and will be paid if you are "Out - of - Work" and can't pay those bills yourself.