Disability Insurance Discounts: Alameda Health

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Set for Life Insurance is proud to announce a new discount set up at the Alameda Health System in Northern California. This discount allows all employees of Alameda Health and their affiliates to acquire top notch coverage at significantly reduced rates. The policy has unisex rates and an additional 20% discount. This results in a savings of 20% for men …

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Disability Insurance: Dental Residents

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Recently I worked with a group of dental residents looking for individual disability insurance policies. Since they had a lot of great questions, I thought I would post some specific questions as others may be able to benefit from their experience: Q.  What is the difference between own occupation, regular occupation, and your occupation? We were told own occupation is …

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Career Ending Injuries for Athletes

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Over the weekend I watched a segment on TV about a basketball player who had a career ending injury riding a motorcycle before he played in his first NBA game. From my perspective, the first thing that came to mind–I hope he was properly insured. Professional athletes can protect themselves financially from career ending injuries. Policies generally pay a large …

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Disability Insurance: Can I Go Direct?

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People sometimes ask me if it is possible to purchase an individual disability insurance policy directly through the company. The answer is no. If decide you really like the ABC company and contact them directly, they will assign you to a broker such as Set for Life Insurance or an agent with their company. Even if it was possible to …

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Life and Disability Insurance: Should I Save my Age?

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When you apply for an individual life or disability insurance policy, your policy will be issued based on your age. The older you are, the more expensive the policy will be. Furthermore, there are certain birthdays that will cause a bump in rates (35, 40, 45 and 50). Life insurance considers your closest age your insurance age. This means that …

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