Should You Merge Your Disability Insurance with Other Policies for Convenience?

Jamie Articles, Client Stories Leave a Comment

Today I had an existing client contact me regarding his individual disability insurance. He is a surgeon who originally purchased his policy while in medical residency. Now, a few years later, he was approached by a “financial planner” (I use quotes here since this “financial planner” is a commissioned insurance salesperson-not a true financial planner who charges fees without selling …

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How does marijuana affect life and disability insurance premium rates?

Jamie Articles Leave a Comment

As marijuana usage becomes more prevalent, how does it affect premium rates for life and disability insurance. While companies don’t check for traces of use in their paramedical exams (blood and urine tests), they do ask about usage. This typically requires the applicant to complete a drug questionnaire. If an applicant is using marijuana, even occasionally, the companies will most …

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Disability Insurance Annual Review

Jamie Articles Leave a Comment

Most articles about disability insurance discuss the process of purchasing a policy and going through the process. So how often should you review your policy? It is important to take a look at your policy at least once a year to remind yourself of the coverage you have in force. Additionally, it is important to review your disability policy when …

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Disability Insurance | Guardian Announces Changes for Young Professional Limits

Jamie Announcements Leave a Comment

2015 Announcement: Guardian announces their new young professional limits: First-Year Physicians: General Practice Physicians (and non-invasive specialties not listed), Geneticists, Geriatricians and Psychiatrists (MD) $6000/month Allergists/Immunologists, Anesthesiologists, Anesthetists (MD or DO only), Dermatologists, Emergency Room Physicians, Endocrinologists, Family Practice Physicians, Gynecologists, Hematologists, Immunologists, Internists, Nephrologists, Neurologists, Obstetricians, Ophthalmologists, Pain Management Physicians, Pathologists, Pediatricians, Physiatrists (physical medicine, rehab), Plastic Surgeons, Pulmonologists, …

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Disability Insurance | Premium Matters

Jamie Articles Leave a Comment

Purchasing an individual disability insurance policy is an important decision as you are committing to a policy to cover you throughout your career. When comparing policies, how important is the policy premium? Premium is one of the most important parts of the policy as you are committing to pay this expense for a long period over time. As such, you …

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