Currently, MassMutual is one of the most highly rated carriers offering individual disability insurance in the United States. Serving mainly white-collar professions, MassMutual is also one of the more recognizable names in the disability universe. However, one should avoid buying a policy just because he or she is familiar with the company. The right policy.. More
Mutual of Omaha has one of the most diverse disability portfolios on the market. Although their primary focus is the blue-collar market, they have a variety of products suitable for almost any occupation. They have a long history of paying claims and is probably one of the most recognizable names in the industry. However, one.. More
For most people, having some kind of income protection insurance is very important. Psychologists are no different. Not being able to work due to injury or a health condition can quickly and substantially drain your financial resources. Disability insurance for psychologists provides income protection if you’re unable to do your job because of an accident.. More
If you’re employed by the federal government, it is unlikely that you have any meaningful coverage should you be unable to work due to an accident or poor health. Disability insurance for federal employees helps protect you by providing a monthly income should you miss extended time at work. For most people, regardless of their.. More
As a veterinarian, you might not have long-term disability insurance or income protection insurance. Still, like others in the medical profession, your need to have this valuable coverage is critical. Disability insurance for veterinarians protects your income if you’re unable to do your job due to sickness or an accident. Any highly specialized professional needs.. More
Guardian (Berkshire Life) is one of the top disability insurance policies on the market. They focus on several types of people, including white-collar and medical professionals. The following products are reviewed to inform the public about the various options within the income protection universe. Most disability policies are very good, but what is right for.. More
Illinois Mutual is one of the best disability insurance policies that can cater to several people, including those who are self-employed with a blue-collar occupation. These products are reviewed to inform the public about the various options within the income protection universe. Most disability policies are very good, but what is right for you may.. More
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
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
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
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
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
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
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
If you work in any engineering field, then having disability insurance is critically important. Software engineers, mechanical engineers, electrical engineers, and others all need disability insurance coverage. 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.. More
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
“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
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
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
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 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
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
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
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
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 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
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