Life Insurance Accelerated Death Benefit

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If you had 12 months to live, what would you do with your life? If you had a large lump sum of money, how would you spend it? Did you know that most life insurance policies, including term life insurance come with an accelerated death benefit at no additional charge? What is an accelerated death benefit? This benefit will allow …

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TV Characters and Disability Insurance

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TV characters can seem anything but fictional as we get to know them. There are several whose lives would be different if they had invested properly in an individual disability insurance policy. There are so many to name. Here is a article just to this point that I thought I would share. Who else can you think of that could …

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Disability Insurance for Stay at Home Moms and Dads

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Being a stay at home parent is one of the most challenging jobs in the world. It requires working hours of 24/7 yet it also doesn’t pay well (or at all!). In fact, since you do not receive an actual paycheck as a stay at home parent, you are not able to purchase an individual disability policy.  Purchasing an individual …

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Reasons Physicians Should NOT Buy Disability Insurance

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As a working physician, chances are you already have an individual disability insurance policy or are considering purchasing one in the future. When does it make sense for physicians NOT to buy an individual disability policy? 1)      You are independently wealthy. If you have enough money in your savings account and are not dependent on your income, you probably do …

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Disability Insurance: Medical Conditions

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When you purchase an individual disability insurance policy, you are required to undergo a medical underwriting process where they will evaluate your medical history.  There are some conditions where you would be outright declined or have a significant rating. If you have one of the following conditions, you may be better off trying to obtain coverage through your employer. After …

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