Raymer Malone, CFP® has been in the financial services industry for over 20 years. In 2004, he acquired his life and health insurance licenses and followed that by obtaining his Certified Financial Planner certification in 2010. Operating primarily as an independent wholesaler who provided disability insurance product and case design strategies to other agents and financial advisors, Ray has interacted with thousands of insurance licensed individuals and their practices.
Ray started the High Income Protection Insurance Agency to help consumers get access to disability insurance products online and provide them with the proper direction in choosing a policy. Individual disability insurance can be very complex. Having a specialty makes Ray uniquely positioned to help his clients secure the best possible coverage. Carriers, definitions of disability, objectivity (being truly independent), additional features, and premiums all play a role in attaining the appropriate policy for your protection goals and occupation.
Ray’s process in working with his clients is straightforward: Understand his client’s needs, educate his client on the disability insurance marketplace and proper policy design, provide a recommendation based on his expertise and resources, and finally walk the policy through underwriting from application until placement.
At the High Income Protection Insurance Agency, we provide expert, unbiased advice in selecting the right policy for your needs. If you’re a high-income earner who needs disability insurance, please contact Ray at ray@highincomeprotection.com or call (888) 636-2310.
You can also schedule a consultation by visiting his calendar below
On a personal note, Ray enjoys hiking, skiing, cooking, and traveling with his family. He currently resides in Lake Tahoe, NV with his wife, Lauren, and two young children, Abigail and Jason.