Market Watch

There are about 240,000 physical therapists in the United States. This profession is expected to grow 28% over the next 10 years, which is must faster than the average for all occupations. Physical therapists frequently help

  • about 240,000 in the U.S. 
  • 28% expected growth over the next 10 years 

Client Scenario

Amber is a 31-year-old physical therapist from Carson City, NV. She is married with a toddler at home. She received her Doctor of Physical Therapy (PDT) degree five years ago and loves helping people in her job. Amber’s annual salary is $85,000.

Occupation Class: 3A | Non-smoker


Amber and her husband earn $165,000 in household income. But like 69% of all Americans, they have less than $1,000 in their savings account. She and her husband own a $265,000 home. In addition to $1,000 in daycare expenses, the family has other monthly expenses, including their mortgage and $8,000 in credit card debt. Amber sees what conditions cause disabilities at work every day and realizes it can happen to anyone, at any age, at any time. If Amber were lose her source of income due to an accident or illness, the family would need help to pay all of their bills.


Amber wants to protect her paycheck and understands the value of getting this coverage at her age. She has issued an individual disability insurance policy providing her a monthly benefit of $4,430 over two yearsafter a 90-day elimination period. To get the most coverage for her dollar, she opts for the Supplemental DI rider.*

$65.41 per month for her Century+ Individual Disability Insurance policy with riders
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If you’re an insurance agent looking to offer disability insurance to your clients, please go here to learn more and get setup:


* | SDIR known as Social Insurance Substitute Rider (SISR) in New York.


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Policy Form No. I H0920 and Rider Form No. R I0929, underwritten by Assurity Life Insurance Company, Lincoln, NE. Policy Form No. I H1605 NY and Rider Form No. R I1624 NY, underwritten by Assurity Life Insurance Company of New York, Albany, NY.