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Disability Insurance for Childcare Providers

Disability Insurance for Childcare Providers

If you’re a childcare provider, it shouldn’t come as any surprise that your profession carries the potential to be injured or become disabled.  Picking up small children and being so active in your day to day activities can create aches and pains that may eventually put you out of work for a time. Disability insurance.. More

Disability Insurance for Farmers

Disability Insurance for Farmers

Personal note from the author: Growing up, my father was a crop farmer.  He grew potatoes, corn, and onions.  He grew a few other crops as well but I mainly remember the onions because I had to weed them every summer.  My dad never missed any significant time due to injury or sickness but he.. More

Purchase disability insurance

5 Reasons You Shouldn’t Purchase Disability Insurance

As a disability insurance website, it might seem strange to advocate that people not purchase disability insurance. The fact is, for some people, there is no need to purchase disability insurance.  There is a moderate-sized part of the population of the United States for whom income protection insurance isn’t necessary. As with most of the.. More

Disability Insurance for Clergy

Disability Insurance for Clergy

Priests, Rabbis, Ministers, and other religious leaders need disability insurance.  No matter what your denomination, disability insurance for Clergy is something that should be considered. If you’re a member of the Clergy for your organization and don’t already have some type of income protection, read on.  We can help. What to Expect – Disability Insurance.. More

Disability Insurance for Truck Drivers

Disability Insurance for Truck Drivers

From the box car delivery route to the long-haul coast to coast 18 wheeler, professional drivers need disability insurance.  Being able to support your family, maintain your lifestyle, and pay your truck note if you become disabled is one of the most important things you can do.  However, finding disability insurance for truck drivers isn’t.. More

Disability Insurance for Bartenders

Disability Insurance for Bartenders

If you’re a bartender, then you may have found that it can be very difficult to purchase disability insurance.  Like other professions, disability insurance for bartenders is important coverage and something that you probably shouldn’t go without.  If you’re a bartender looking for disability insurance, read on.  We can help. What to Expect-Disability Insurance for.. More

No Exam Disability Insurance

No Exam Disability Insurance

Purchasing disability insurance should rank as high as purchasing life insurance to make sure your family’s finances are protected from the unexpected.  No exam disability insurance makes the process that much easier. If you’re an individual looking for long-term disability insurance, forgoing a physical exam can be attractive.  Sometimes, the disability insurance carrier may not.. More

Disability Insurance for Engineers

Disability Insurance for Engineers

If you work in any engineering field, then having disability insurance is critically important.  Like other professions, disability insurance for engineers can differ from one insurance company to the next.  Helping you find the best disability insurance policy for your goals and needs is what we do. So, regardless of the engineering subfield you’ve chosen,.. More

Disability Insurance for Accountants

Disability Insurance for Accountants

If you’re an accountant looking for disability insurance, then you’re in the right place.  The pricing for disability insurance for accountants can vary from company to company, but like most professions, we can help you find the best disability insurance policy for your goals and needs.  If you work as an accountant, whether you do.. More

Disability Insurance for Fashion Designers

Disability Insurance for Fashion Designers

If you’re a fashion designer looking for disability insurance, then you’re in the right place. The pricing for disability insurance for fashion designers can vary from company to company, but like most professions, we can help you find the best disability insurance policy for your goals and needs. If you work as a fashion designer.. More

Disability Insurance for Hairstylists

Disability Insurance for Hairstylists

As a professional hairstylist, you’re likely on your feet most of the day in a physically demanding job.  Whether you’re called a barber, cosmetologist, or beautician makes little difference in the likelihood you become disabled and cannot do your job.  The best disability insurance for hairstylists depends on several factors.  If you’re interested in protecting.. More

Disability Insurance for Physical Therapists

Disability Insurance for Physical Therapists

Physical therapists treat patients for many of the health conditions that cause a disability insurance claim. If you’re a physical therapist, you see many conditions such as arthritis, back pain, and head injuries, as part of your daily routine.  Disability insurance for physical therapists is important, as it is most medium to high-income workers.  If.. More

Disability insurance for sales professionals

Disability Insurance for Sales Professionals

Like most types of disability insurance, disability insurance for sales professionals comes in a variety of options.  All companies look at sales professionals differently.  What one insurance carrier places weight on regarding underwriting differs from another carrier.  If you’re in sales and need a disability insurance policy, then read on.  Or better yet, complete the.. More

Disability insurance for contractors

Disability Insurance for Contractors

Purchasing disability insurance for someone who does any physical labor can be somewhat of a challenge. Buying disability insurance for contractors is no different.  We help contractors find the best short or long-term disability insurance for their needs.  If you’re a contractor looking for disability insurance, read on or contact us by completing the form.. More

Should I buy disability insurance

Should I Buy Disability Insurance?

There are several reasons to purchase long-term disability insurance.  For some people, it might also be important to have short-term disability insurance.  The question, “Should I buy disability insurance?” is only answerable based on your personal situation.  Let’s look at the reasons to buy disability insurance and look at those who might not need to.. More

Disability Insurance for Registered Nurses

Disability Insurance for Registered Nurses

Not all registered nurses are covered by their hospital’s group plan. Disability insurance for registered nurses is essential, as it is for most medium to high-income workers. If you’re a registered nurse and you’re considering purchasing disability insurance, read on to learn more. What to Expect – Disability Insurance for Registered Nurses As mentioned in.. More

Disability insurance for nurse practitioners

Disability Insurance for Nurse Practitioners

For any high earning professional, disability insurance is a cornerstone coverage. Disability insurance for nurse practitioners plays a huge role in protecting your income from sickness or injury. After spending years in training and education, don’t take a chance with your future earnings. Read on to find out what a nurse practitioner should know before.. More

Disability Insurance for Nurse Anesthetists

Disability Insurance for Nurse Anesthetists

Like others in the medical profession, disability insurance for nurse anesthetists plays a major role in protecting your income. And since a certified nurse anesthetist is one of the highest earning nursing specialties, it is important to protect those earnings from a sickness or injury that prevents you from working for an extended time period… More

Assurity

Disability Insurance Carrier Review: Assurity

We review these products to inform the public about these carriers.  Most disability insurance products are very good, including Assurity, but what is right for one person isn’t right for another. That is why you should talk to an expert, objective agent, who can help you navigate the sea of carriers and their individual product.. More

Business Owner Disability Insurance

Business Owner Disability Insurance

Whether you’re a one-person operation or have multiple partners and generate millions in revenue annually, business owner disability insurance is crucial. There are three types of business owner disability insurance that are considered the most important.  This article will review these popular options and highlight the reasons why if you own your own business, you.. More

Can you buy life insurance on someone else

Can you buy life insurance on someone else?

If you search the web for the title of this article, you’ll most likely see a resounding “No!”. That response is not completely accurate.  In most instances, you are not able to buy life insurance on someone else without their knowledge or involvement.  However, there are certain situations where you would be able to purchase.. More

Disability Insurance Statistics

Disability Insurance Statistics Disconnect?

Disability Insurance Statistics In general, disability insurance statistics can be frustrating to interpret. In fact, so are most of the insurance industry statistics that are presented to the public. It is simply too easy for the information to be manipulated by companies and the supporters of the study to work backwards to purposely support their cause. My.. More

Principal

Disability Insurance Carrier Review: Principal

I review these products to inform the public about these carriers.  Most disability insurance products are very good, but what is right for one person isn’t right for another. That is why you should talk to an expert, objective agent, who can help you navigate the sea of carriers and their individual product features.  I.. More

5 Tips for Buying Disability Insurance Online

Disability insurance is a complex product.  Buying disability insurance online is possible and is happening more each day.  However, there are a few key factors to look for when purchasing an insurance product through a website or over the phone.  If you have questions or would like a quote on a disability insurance policy, please.. More

Disability Insurance Carrier Review: Ohio National

I review these products to inform the public about these carriers.  Most disability insurance products are very good, but what is right for one person isn’t right for the other. That is why you should talk to an expert, objective agent who can help you navigate the sea of carriers and their individual product features. .. More

Disability Insurance Carrier Review: The Standard

I review these products to inform the public about these carriers.  Most disability insurance products are very good, but what is right for one person isn’t right for another. That is why you should talk to an expert, objective agent, who can help you navigate the sea of carriers and their individual product features.  I.. More

4 Key Characteristics That Financial Planners Should Look for in an Insurance Agent

Buying insurance is an important part of any financial plan. For financial planners, having someone who provides expert, unbiased insurance solutions is critical. I sat for my Certified Financial Planner exam in 2010.  As many of you know, a large part of the coursework is centered on risk management.  According to the CFP board, 12% of.. More

What is Disability Insurance?

“Can you define disability insurance?”  and “What is disability insurance?” are both questions that I hear and see posted online. There are so many types, so the answer is difficult. The definition of disability insurance can vary widely, depending on the coverage.  For some, it may be nothing more than state requirements or social security.. More

Disability Insurance for Physicians

There is no “one size fits all” when it comes to disability insurance for physicians.  Specialties, income, and protection goals all play a huge role in determining the right coverage for each individual.  Complete the quote form on the left for a comprehensive view of the carriers available to you.  For a more in depth.. More

Own Occupation Disability Insurance for Physicians

The type of disability insurance that you purchase is almost as important as actually owning disability insurance.  The right policy for your occupation depends largely on how specialized your duties are.  Own occupation disability insurance for physicians is often critical, however that depends on your specialty. This post might not be popular among the traditional.. More

The Best Physician Disability Insurance

We often get asked, “What is the best physician disability insurance policy?” Clients want to know who the carrier is, how much do they need to make to qualify, what makes this mythical policy the best disability policy for physicians, etc. The answer, like many other responses in the insurance world, is simple: it depends… More

Disability Insurance for Resident Physicians

Disability Insurance for Resident Physicians At a time in your life where money is tight, don’t spend all of your hard earned income on a DI plan that covers your future earnings immediately.  Disability insurance for resident physicians is important, but it is also critical to allocate your limited resources carefully. “Buy up” programs are.. More

High Limit Disability Insurance for Physicians

Physicians with specialties, surgeons, and other medical professionals have a need for high limit coverage above and beyond traditional coverage.  If you find yourself “maxed-out” through a combination of group and individual coverage, you can probably still secure additional disability insurance.  Please contact us if you would like to explore high limit disability insurance. High.. More

Disability Insurance for Severance Agreements

If you own a business, then you already know all of the various types of insurance that you can use to protect yourself and your business.  Business owner disability insurance policies normally focus on two things: protecting the business and protecting the business owners’ incomes.  But what about disability insurance for severance agreements?  Surely your severance.. More

Disability Insurance: Are You Properly Covered?

Orthopedic Surgeon Disability Insurance – A Case Study All professionals should have disability insurance.  Unless you’re financially independent (you choose to work rather than you need to work), then long term disability insurance is one of the most important types of coverage that you have protecting you. Especially in highly specialized occupations, coverage such as.. More

Kidnapping or Ransom Insurance – When is it needed?

What is Kidnapping Insurance? Kidnapping insurance is a key component for high income individuals, executives, Missionary groups, Educational institutions or any other entity that will require overseas travel or who may be high profile target for Kidnapping. Kidnapping insurance reimburses the policy owner for costs involved in a Kidnapping, Extortion, Detention and Highjacking. Individual, group and.. More

High Limit Accidental Death and Dismemberment Plans

Accidental death and dismemberment plans have been around for a long time.  Often an add-on to another insurance policy, they can be valuable in certain situations.  However, to a high-income earner, the face amounts are relatively small.  A high limit accidental death insurance plan can be attractive to these individuals by providing larger payouts that are.. More

Business Overhead Expense Insurance – What is it and do you need it?

Business overhead expense insurance is critical to a small business owner. As a business owner, you know that your ability to work is critical to the success of your business. If you should become disabled due to an illness or accident, you should already be covered by your own, personal, individual disability insurance policy. This.. More

Paycheck Protection – Are you Covered?

Paycheck Protection for High-Income Earners, Are You Covered? Insurance is the last thing most people want to think about. Paycheck protection, more commonly known as disability insurance, is no different. Just dealing with the most common forms of insurance can seem like a daunting task. The more straightforward types of coverage such as home, auto,.. More

Disability Insurance for Business Loans

As a business owner, debt can sometimes be your friend.  In situations where that debt can’t be repaid due to sickness or injury of the business owner, it can become your worst enemy.  Disability insurance for business loans is available to protect you and your business from this challenge. Most business loans or leases can.. More