Disability Insurance for Women

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When it comes to disability insurance, the biggest difference in premium is gender. Disability insurance costs approximately 40% more for women than men. This is due to claims history. Women tend to become disabled at a much greater rate than men. As a result, their premiums are much higher. Since women live longer, their life insurance rates are less than …

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Disability Insurance for General Cardiologists and Interventional Cardiologists

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As a cardiologist,  it is important to protect your future earnings.  General cardiologists qualify for the most favorable occupational class with most companies. If you are planning to move onto a interventional cardiology, it is in your best interest to purchase your policy while still practicing general cardiology. This can save you approximately 20%. Keep in mind, the policy will still …

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Disability Insurance Discounts for Dentists

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Disability insuranace can be very expensive for dentists. For men, expect to pay approximately 1-3% of your income on premiums. For women, expect to pay 2-4%. The best way to reduce your premiums is to look for discounts without compromising benefits on your policy. If you are not currently eligible for discounts already in place, you may be able to …

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Principal Financial Group Disability Insurance–DI issue and participation limits return to normal for certain occupations in the financial services industry

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Due to the stabilization of the financial services industry over the past year, Principal Life Insurance Company is returning to normal Individual Disability Income (DI) insurance issue and participation (I&P) limits for the following occupations in all states (effective immediately1): ·          Bond trader (not on trading floor) ·          Investment banker ·          Investment analyst ·          Hedge fund managers ·          Mutual fund …

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