Life and Disability Insurance: Dangerous Avocations

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It’s summertime! For a lot of people, that means time to explore the great outdoors. But how does this affect your ability to qualify for life and disability insurance? If you have an accident related to a dangerous avocation, is it covered? When you apply for life and disability insurance, they will ask you about particular dangerous avocations and typically …

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Own Occupation Disability Insurance for Physicians—Read the Fine Print

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I often have physicians around the country contacting me looking for the best available individual disability insurance policy to protect their income. The definition of disability is the most important part of the contract because this is the way the company determines if they are going to pay a claim. A true own occupation definition states that if due to …

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Summertime Disability Insurance: Accidents on the Rise

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Reason #18 for Disability Insurance: Trips to the Emergency Room Rise in the Summer Many people are fully aware that emergency room visits increase in the summertime. Before you go outside to play, make sure your income is properly protected with an individual disability insurance policy! If you already have disability insurance or a group disability insurance policy, make sure …

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Disability Insurance: Graded or Level Premiums?

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Some insurance companies have a premium option payment to pay either a level, fixed premium or a graded, increasing premium. Level premiums are available with all individual disability insurance policies. With a level premium, the rate is fixed and guaranteed to age 65. Make sure your policy has the clause noncancelable, guaranteed renewable. This ensures your rate is fixed. If …

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