Disability Insurance
For the majority of people, their ability to work every day is their greatest asset. Their lifetime earning potential is greater than any of their property or investments.
We provide disability insurance in the following categories:
- Individual Disability Insurance
- Business Overhead Expense
- Disability Buy-Sell
- Key Person Replacement
- Business Loan Protection
- Excess Coverage
- Critical Illness
We work with Professionals and Blue-Collar Workers.
Disability insurance underwriting is very specific. Each case has to be reviewed Individually to determine the best fit for you and your occupation. Complete the Underwriting Questionnaire to receive a formal disability quote.
Can you answer these 5 questions?
- If you were to become sick or hurt, and you needed help, who would be there?
- How Long do you think it would take before you exhausted your savings and are unable to pay your bills?
- Do you think one income will still be enough when you have additional expenses due to an illness or injury?
- What would happen to your future plans if your paycheck stopped because of a disability?
- Is the coverage from other programs enough to meet your needs — that is, if you qualify?
My Family Will
take Care of Me
“Can you name three family members who are willing – and financially able – to pay your bills for more than a couple of months….possible close to three years?”
- Average individual disability claim last 31.6 months
- Average group long-term disability claim lasts 34.6 months
The Government Will
take Care of Me.
- Social Security Administration denies 65% of initial claims*
- SSA’s definition of being disabled to qualify for benefits is more restrictive than an insurance companies’ qualifications: “Disability must last or be expected to last for a least one year or result in death”
I Have Other
Financial Reserves.
- Savings? One year of disability can wipe out 10 years of savings (10% of income for past 10 years)
- Borrow? What bank will loan you money if you were disabled or unemployed?
- Selling Assets? Can you maintain your standard of living without placing additional strain on you or your family?
My Group
Coverage is Enough.
“Can your client survive on 45% of their income?” “What does your group cover?”
- All Group plans have a monthly cap.
- Group Benefits coordinate with SSDI and Workers Comp
How About Critical Illness?
This type of coverage is indemnity focused, will pay a lump sum benefit upon diagnosis.
Does not require a disability to receive benefits!
- Issues to higher ages - up to 70!
- Does not require earned income
Disability Insurance Intake Form
THE MORE INFORMATION WE HAVE FROM YOU THE MORE ACCURATE THE QUOTE WILL BE.
“THE BEST THINGS IN LIFE ARE THE ONES WE LOVE, PROTECT THEM WITH LIFE INSURANCE.”