Life and Disability Insurance: Policy Date

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Disability and Life Insurance: Backdating Your Policy When you apply for life or disability insurance, the rates are locked in base on your age. For life insurance, your age is your closest age. As such, you change ages on your ½ birthday. For disability insurance, your actual age is used. If you are close to your age change or your …

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Love Insurance

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Love Insurance It’s Valentine’s Day. What better way to show someone you love them than by acting on it?  Most people don’t think of life and disability insurance as being very romantic. But it is actually the most loving thing you can do. When you purchase a life or disability insurance policy, you are taking a step to protect those …

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Stacking Life Insurance Policies

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Stacking life insurance policies Sometimes it can be difficult to determine how long you will need your life insurance and how much you will need. One method you can use to help defray costs is to stack your term life insurance policies. I had a client come see me last week. He is a practicing anesthesiologist here in Denver and …

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Life, Disability Insurance and Divorce

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When life changes, it is important to review your insurance information. This also includes at the time of divorce. Not only is it important to insure yourself to cover your obligations, it can actually be required. Take for example a client of mine, Dr. Martinez. I first met Dr. Martinez when he was finishing his medical residency and fellowship in …

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