Have Questions?
Call our quote line
(866) 691-0100 or
click here to contact us by email.
Disability Insurance Companies – How do I Choose the Right One?
You’ve been meaning to look into disability insurance for quite a while and now you are finally going to do it. You start your search and see that there are several very good disability insurance companies that offer high-quality individual … Continue reading
The Disability Insurance Market Heats Up
Competition between companies in the same market is always good for the consumer. Look at the smart-phone frenzy Apple started a few years ago with the introduction of the iPhone. While their superb product jump-started an otherwise static industry, it … Continue reading
Disability Insurance and Pre-existing Conditions
I quite often have to present a disability insurance offer to a client that has been issued with an exclusion for a pre-existing condition. My clients’ responses range from resigned consent to complete outrage that the insurance company would not … Continue reading
Who is Your Agent/Broker Working For?
If you ask this question of your agent or broker and the answer isn’t “YOU,” find someone else to work with. Yes, a reputable disability agent/broker should represent the major disability insurance companies, but, as your representative, he/she should be … Continue reading
Where did they Get that Information?
I have had several clients ask me recently about the Medical Insurance Board (MIB), so I thought I’d give a brief description of who they are and what they do. MIB Group is a membership corporation owned by member life … Continue reading
A Real-World Claim
When describing disability insurance to prospective buyers we, as agents, often deal in hypothetical situations – “if you injure your hand, if you have a heart attack, etc.” However, I find that real-world situations make a better case for the … Continue reading
Mutually Rewarding
A mutual life insurance company is a company which has no capital stock or stockholders. It is owned by its policyholders, and is managed by a board of directors chosen by the policy owners. Mutual insurance companies have never been … 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
What About Social Security Disability Benefits?
This is a question we hear quite often from our clients: Why do I need personal disability insurance? Won’t social security pay me disability benefits? Unfortunately, most who apply for benefits do not receive them. On average, 65% of people … Continue reading
Importance of Financial Strength in a Disability Insurance Company
With the recent turmoil in the financial markets, we have been seeing more and more questions about the importance of the strength of the insurance company. There are numerous factors involved in choosing a disability insurance company but the primary … Continue reading