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Monthly Archives: January 2009
Which Job would you choose?
You have to make a choice between two jobs. They are both attractive in many ways – work you like to do, short commute, great people to work with, Starbucks right next door (that’s high on my list). The only … Continue reading
To work or not to work – that is the question
If, due to accident or illness, you were not able to work in your occupation, but could potentially work in another, would you work at the other? If you are like most productive people, the thought of not being able … Continue reading
Mental – Nervous Claims
If you have shopped for a disability insurance policy, you probably know that most insurance companies limit claims relating to mental/nervous disorders to two years. I have often heard, “that’s unfair” from prospective clients and, while I understand my clients’ … Continue reading
That’s a lot of money
I often hear this from prospective clients when they look at quotes for disability insurance. Very often, these same people recently purchased a term life insurance policy and are astounded by the difference in the cost between the two policies. … Continue reading
The Perfect Disability Insurance Policy
The best disability insurance policy is the one that will pay you the most benefits under the most amount of circumstance. These are some of the factors that would make this policy “perfect.” It should have an Own-Occupation definition of … Continue reading
Occupational Underwriting
Your occupation is one of the risk factors an insurance company looks at when underwriting your disability policy. It is one of the major elements, along with age, sex and health an insurance company uses to determine the premiums you … Continue reading