Disability Insurance Reinstatement

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Disability Insurance Reinstatement I had a call today from a client who purchased a policy from another broker over 15 years ago. When he moved, he failed to change his address. As a result, he didn’t receive his premium notice and the policy lapsed. By the time he received the notification, he found out he had to go through reinstatement. …

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Disability Insurance: The Premium Difference

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When shopping for disability insurance online, it is important to keep in mind that policies will not vary much from company to company. If you are working with an experienced broker, chances are that you will receive quotes from the same companies with the same premiums. If the premiums are substantially different from the same company there are a few …

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Replacing Individual Disability Insurance Policies

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When it comes to replacing disability insurance, it is important to weigh the pros and cons in each individual situation. The cons of replacing an individual disability policy: Replacing a disability insurance policy requires new medical underwriting. If you have had an adverse change in health, your new policy might have exclusions or a rating which would make it less …

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Disability Insurance for Physicians: Premium Matters

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Disability Insurance for Physicians: Premium Matters Whenever you are shopping for something whether it is a new home, new car, a new outfit or disability insurance, price has an influence. When shopping for disability insurance, it is important to look at all of the variables; definition of disability, riders, quality of company, etc… When the parameters are very similar, price …

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