Disability Insurance for Women | How to Avoid Spending Twice As Much As Men

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If you are a woman shopping for an individual disability insurance policy, you may be in for sticker shock. Rates for disability insurance for women are close to twice as much as the rates for men. Why? Rates are set by the company based on risk and claims history.  Companies state that women become disabled more often than men and …

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Disability Insurance Discounts | What’s the Difference?

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When it comes to disability insurance discounts, there are a wide variety of differences. It is important to work with an experienced broker who not only has access to these discounts but can help you navigate the differences: 1) Association discounts. These are typically available to members of an association for individual disability insurance policies. If you purchase the policy …

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Disability Insurance Discounts | University of Wisconsin

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Set for Life Insurance is proud to offer discounts for medical students, medical residents, veterinary students, dental students, physicians, CRNAs, executives and employees of University of Wisconsin. These discounts include the following affiliated hospitals: University of Wisconsin Hospital University of Wisconsin School of Veterinary Medicine American Family Children’s Hospital Meriter Hospital William S. Middleton Memorial Vet Hospital To qualify for …

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CRNA Disability Insurance at 50

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by Jamie K. Fleischner, CLU, ChFC, LUTCF President, Set for Life Insurance Today I had a CRNA contact me who was in a very typical situation. Her name is “Jan.” Jan just turned 50 and has a disability insurance policy through the CRNA, Certified Registered Nurse Association, AANA. She has $4000/month benefit and her premiums just increased substantially when she …

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Disability Insurance and Unisex Rates

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What does it mean when disability insurance is offered at unisex rates?  Unisex rates are rates that are gender neutral and are the same for males and females. Female rates are typically 40% more than male rates. Therefore, unisex rates favor females significantly. Some companies offer unisex rates and additional employer discounts which can equate to a total discount of …

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