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Long Term Disability Insurance Advisor
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How Much is Disability Insurance?

Posted on February 13, 2017 by Rene Apack No Comments

Hundred dollar bill with how much on the front - how much is disability insurance?How much is Disability Insurance? This is a very common question when it comes to buying something new, but especially for Disability Insurance. Although most people may have heard of this type of coverage, most don’t know the ins and out about it. Many people view it as “just another insurance” or something that they will never need. But, as we all know, life can be very unpredictable. This type of insurance can be used when you are unable to work and earn an income due to an injury, illness, or disability.

What Do I Get With Disability Insurance?

The main benefit of Disability Insurance is you will receive money while you can’t work. You may not be able to work due to:

  • A head injury
  • Car accident
  • Sporting accident
  • Broken limbs
  • Recovering from pregnancy
  • Mental health issues
  • Disability
  • Etc.

While you are recovering, you will still continue to get money, which can be used to maintain the lifestyle you have. The money you get can be used for:

  • Paying your mortgage or rent
  • Child care
  • Tuition
  • Groceries
  • Car payment
  • Clothes
  • Utilities
  • Etc.

By having this money, you can continue to pay for life’s needs and wants for you and your family. This prevents the financial strain you may have felt from not working and not having Disability Insurance.

What Else Should I Know?

Disability Insurance has helped thousands of people from financial ruin. By receiving money, you are able to continue paying for your daily bills. This will prevent you from:

  • Going into debt
  • Losing your house
  • Losing you car
  • Borrowing from others
  • Maxing out you credit cards
  • Opening new lines of credit

How Much is Disability Insurance?

Unfortunately, Disability Insurance doesn’t have one fixed price. It varies from person to person. Insurance companies take a variety of things into consideration in order to come up with how much it will cost someone.

It is often best and highly suggested to work with an independent advisor. They are not loyal to any one company, and can hunt down the best prices and policies for you. We recommend choosing the insurance policy that fits your needs, budget, and lifestyle versuspicking a policy from a company you may have seen on tv.

How Is The Price Determined:

Insurance companies use some key factors to determine how much you should pay to be covered by Test tube icon with blood sample to determine how much is disability insurance.Disability Insurance. They will look at things like:

  • Your current and past health
  • Your income and job
  • Your lifestyle
  • Your urine & blood sample result

After they analyze all of these things, they assign a risk value and then determine a price for you.

Connect With a Disability Insurance Advisor Today!

Our independent advisors have years of experience helping individuals and families insure themselves with Disability Insurance. An advisor can help explain policies, compare options and benefits, and answer all of your questions. In addition, our advisors can help you find out how much is Disability Insurance for your individual situation. Fill out our Contact Form or call us directly at (800) 788-8921.

 

Get Short Term Disability For Pregnancy Today!

Posted on February 3, 2017 by Rene Apack No Comments

Woman thinking of a baby and getting short term disability for pregnancy.

Most people don’t know that Disability Insurance can cover you the time you are away from labor and delivery of childbirth as well as for pregnancy complications. Furthermore, most don’t know that the only way to get this coverage is through getting insured through your job. Unfortunately, these types of policies can’t be bought through independent advisors. This may present a challenge to some because not all employers offer short term disability for pregnancy insurance. So what should you do then?

Timing is Key

When woman starting thinking about getting pregnant, they may also start thinking about short-term disability for pregnancy. But, timing to both of these is key.

This is why:

If you want to get short term disability for pregnancy to cover normal childbirth, you have to get it through your work. But, if they don’t have it, you then have to ask for it. Timing is essential because your job may take anywhere from weeks to several months to officially have this type of coverage available to you. So that may or may not coincide with the timing of you becoming pregnant. These are very important things to keep in mind. But, you have to have the coverage before you become pregnant in order to be covered.

Short Term Disability For Pregnancy Through Your Job

If you ask your job to provide you with this type of coverage, keep this in mind:

  • It’s considered voluntary
  • It costs your job nothing to provide you this
  • It’ll get deducted from your paycheck
  • Plan ahead, get covered before you get pregnant

We Can Help You & Your Employer

Although we are independent advisors, we can help your employer learn about Disability Insurance for it’s employees. In addition, we can help your employer get great short term disability for pregnancy rates for you and it’s other employees. Contact us today by filling out our Contact Form or calling us directly at (800) 788-8921. We look forward to helping you, your employer, and fellow employees get insured with short term disability for pregnancy coverage.

Disability Insurance For Employers | Show Employees You Care

Posted on January 29, 2017 by Rene Apack No Comments

Disability insurance for employers and employees working together drawing scheme.Many employers offer their employees benefits as a part of their employment package. Some of the benefits might include paid vacation time, 401k, and retirement plans. But, an employer may also offer Disability Insurance, which some may interpret as a sign of a true caring employer. Disability Insurance makes sure that you still receive money while you can’t work (due to a disability, illness, or accident). An employer offering this type of coverage may want to make sure an employee is still financially able to provide for their family while they are not physically working. Employers who appreciate and love their employees will have this in their benefit package.

Your Employer & Disability Insurance

If you are currently employed and do not have Disability Insurance, you should get some immediately. This  can be done through an independent agent (recommended) or through your employer IF they offer it. If they do not, an independent advisor will be able to shop the market on your behalf to get you the best rates for your budget.

If you’d rather get it through your job, you can go to your human resources department and ask them to provide it to you. Many employers have provided if several employees express their interest. Your employer can then contact us to help the process get started. We will then be able to assess your needs and get you covered with Disability insurance for the protection of you, your family, and income.

Are you a Business Owner?

If you own a company or business, you can show your employees that you care about them by adding Disability Insurance to your benefits package. An independent advisor will be able to get you excellent group rates and can help customize a Disability Insurance package for your employees.

Your employees will be appreciative of at least having the option to have Disability Insurance coverage. If they are ever:

  1. Disabled
  2. Get into a car accident
  3. Have a sporting accident
  4. Have an illness/disease
  5. Broken limbs
  6. Other events would prohibit working

Ready To Cover Your Employees?

Our advisors are able to help working individuals, employers, and employees interested in coverage. We can help you throughout the entire process from customize your perfect policy to answer all of your questions.  Call us or contact us today to get started!

Winter-Proof Yourself | Keep Earning Money This Winter

Posted on January 22, 2017 by Rene Apack No Comments

Winter-proof yourself so that you don't fall on the ice like this man.Winter weather can be crazy so its best to winter-proof yourself. Depending on where you live, you can have freezing weather and blizzards or mild winds and rain. But, regardless of where you are, winter can be brutal. Winter can cause you to fall, slip, or even get into a car accident and lead you to not be able to earn an income. This is why it’s important to winter-proof yourself. It’s also important to secure yourself with Disability Insurance if you are ever in a situation where your couldn’t work anymore due to winter or something else. This type of insurance will still pay you money if you aren’t able to work. This year, take the necessary steps to winter-proof yourself so that the cold season doesn’t stop your money  flow.

Winter-Proof Yourself

  • Be conscious of the shoes you wear during the winter season. Depending on the way winter is in your area, you may need heavy duty snow boots or slip-proof shoes. Make sure not to wear heels.
  • Take “baby-steps”. It may be hard to always see black ice and large sheets of ice on the ground. It’s safer to take small steps than large ones.
  • Winter-proof yourself by making sure you hold on to your car or anything you can while you are walking. Look for rails or walk with others, if possible.
  • Try to not carry heavy backpacks, bags, suitcases, or purses. They will shift your balance and balance is key when you are trying to walk on icy ground.

If you have taken the necessary steps to winter-proof yourself, do the following:

It’s best to take extra precaution, especially when it comes to your income. One way to do this is by investing in Disability Insurance. This type of insurance will pay you money if you can’t work due to a winter fall, winter car accident, and other events that keep you from working.

Disability Insurance can also cover things such as pregnancy, illnesses, and disabilities that stop you from going to work and earning a paycheck.

The money you get when you aren’t working can pay for:

Insure Your Income With Disability Insurance Today

Our advisors have over 10 years of experience in the Disability Insurance field. They don’t work with 1 specific Disability Insurance company, they are independent advisors. This means they can shop around the insurance market for you to find you the best rates and policies for budget and lifestyle.

Call us today at (800) 788-8921 or connect with us through our Contact Form so that we may help you get started. We look forward to helping you today!

A Guide To Who Needs Disability Insurance This Year

Posted on January 16, 2017 by Rene Apack No Comments

The start of a new year can signify a new beginning for a lot of people in their job, relationships, and family. Disability insurance umbrella protecting family.A new year allows for a fresh start and an open mind to new opportunities. One of the new opportunities you should take is protecting yourself and loved ones with Disability Insurance. This guide will discuss who needs Disability Insurance this year.

Who Needs Disability Insurance?

  • New Parents
  • Newly Married
  • If you have dependents (extended family, elderly parents, etc.)
  • Homeowners
  • Occupations in the medical field, business owners, or risky jobs such as construction, etc.

Why Do They Need It?

Disability Insurance will pay you benefits aka money when you can’t work due to an illness, injury, or disability. The groups mentioned above either have people depending on them and their income, are property owners that need to continue paying their mortgage, or have specialized occupations.

Think about it: If you can’t work and earn money, how will you pay for the people living with you and the house you live in?

By having this type of coverage, you will still be receiving money when you aren’t working. This way, you can continue paying:

  • Your mortgage/rent
  • Car payment
  • Utility bills
  • Childcare
  • Groceries
  • Entertainment
  • Subscriptions
  • Anything else you want or need

What Else Should I Know?

Disability Insurance is not something every one knows the details about. It’s not as common as car insurance and health insurance, but some may argue that it’s more important.

Some things to keep in mind about Disability Insurance:

  • There is an application process
  • An independent agent does not have a loyalty to one company. They can shop around for you.
  • You will have to give a blood and urine sample
  • You need to be working and earning an income to apply
  • You can design your own policy

Ready For Coverage?

Our agents are ready to help you get coverage and protected this new year. We  are able to shop around for you in order to find the best policy that fits your lifestyle and budget.

To contact us, fill out our Contact Form here or call us directly at (800) 788-8921. We look forward to working with you and your loved ones.

New Year, New Income Protection Policy

Posted on January 10, 2017 by Rene Apack No Comments

income-protection-as-a-new-year-goal-to-write-down-in-a-notebook-like-thisA new year often means new goals and aspirations. You may want to lose weight, travel to a foreign country, or learn how to cook. Regardless of what you may want to accomplish in the new year, it is important to make sure you protect yourself with a new income protection plan. Creating a income protection plan can seem daunting, but it doesn’t have to be with our disability insurance advisors.

Do I Need Income Protection?

YES. Everyone who works needs an Income Protection plan as soon as possible.

If you work, you need to protect yourself and future. You can do this by investing in Income Protection insurance. This type of coverage allows you to still get paid money even though you can’t work.  It protects your paycheck if you ever get into situation that doesn’t allow you to work such as a:

  • Car Accident
  • Work Accident
  • Sporting Accident
  • Head Injury
  • Broken Limbs
  • Other Disabilities

How Much Is Income Protection?

One of the first things people want to know is how much is this going to cost them. The cost for this type of insurance varies from person to person. Insurance companies take a variety of things into consideration to determine the cost of your policy. They look at your:

  • Income
  • Occupation
  • Lifestyle
  • Age
  • Gender
  • Health History

An insurance company may also require you to have a medical exam, which can include a blood and urine sample. This is a way to check the status of your health.

How Do I Get Started?

Getting started is easy and stress-free with our income protection advisors. We can guide you though the application process and answer all of your questions. An advisor can help you understand all of the terms that are used and ease any concerns you may have.

To talk to one of our advisors, fill out our Contact Form or call us directly at (800) 788-8921 to begin you income protection process. We look forward to helping you protect your future in the new year!

Disability Insurance For Home Based Business Owners

Posted on October 21, 2016 by Rene Apack No Comments

Disability Insurance For Home Based Business Owners - Cartoon Man Running Home Based BusinessHaving a home based business is a great venture! You may be just starting out or enjoy the convenience of running your business out of your home. Either way, your business is your livelihood and you should take steps to financially protect it and yourself. One of the most crucial steps to take would be to protect yourself with Disability Insurance For Home Based Business Owners.

Why You Need It

Disability Insurance For Home Based Business Owners protects by giving you money when you get into a situations such as, an injury, illness, or disability that does not allow you to work. This money can be used for a wide variety of things such as:

  • Rent/Mortgage
  • Utility Bills
  • Car Payment
  • Clothes
  • Subscriptions
  • Lawn Care
  • Entertainment
  •  Groceries
  • Etc.

This money can be used for these things and allows you to continue paying for what you want and need for your and your family. This way, you can focus on your recovery and health. Continue to pay for all of your bills will prevent you from:

  • Going into debt
  • Maxing out your credit cards
  • Borrowing money from friends and family
  • Home Foreclosure

Special Considerations

It is important to note that Disability Insurance For Home Based Business Owners can be customized to your liking, lifestyle, and budget. For home-based business owners, there are special options that can be added to protect your specific occupation.

A Disability Insurance advisor can create a policy for home based business owners that will fully protect them when it counts.

Protect Yourself: Disability Insurance For Home Based Business Owners

Our advisors are experienced and specialize in customizing policies for all types of business owners. We can help you learn more about this type of protection and help you through the application process.

Fill out our brief Contact Form so that we may reach out to you or you can call us at: (800) 788-8921 in order to start protecting yourself and your home-based business today.

A New Disability Insurance Policy for Business Owners

Posted on October 7, 2016 by Rene Apack No Comments

man with brand new sign for new disability insurance policy for business ownersAlthough we believe that everyone who works should have Disability Insurance it is the Business Owners who absolutely needs this type of coverage. This insurance is imperative to financially protecting the business owner from all aspects while they get back on their feet or move on from their business. But, a policy that is even better for a business owner is a new product from Peterson International Underwriters. It combines the benefits of two policies to make one great new Disability Insurance policy for business owners.

Disability Insurance For Business Owners

Traditionally, the money that a business owner receives from their Disability Insurance policy will allow them to continue to pay the many obligations and priorities they have.

This can include:

  • Mortgage
  • Groceries for their family
  • Utility bills
  • Tuition
  • Childcare
  • Entertainment
  • Car payments
  • Anything you and your family needs

A New Disability Insurance Policy for Business Owners

This new product from Petersen International Underwriters combines features of a traditional Disability Insurance policy with features of a buy/sell policy. This plan is called Buy/Sell Plus. Some of it’s features are:

  • “Own Occupation” permanent disability benefits
  • Flexible terms to fit certain business agreements
  • Can pay out benefits in a lump-sum or monthly basis
  • Includes benefits from key person Disability Insurance

Another important thing to note about this insurance product is that although you essentially get two policies in one, you only pay one price. You also only have to fill out one application and one need one medical exam. This new disability insurance policy for business owners will fully protect you by completing the easy and convenient process.

Of course, there are more details to this policy. It is best to discuss the ins and out of this type of crucial coverage with an experienced Disability Insurance advisor.

Business Owners, Take Action!

Our advisors specialize in the Disability Insurance field and have over 10 years of experience. We strive to protect individuals and their businesses. Getting this new disability insurance policy for business owners is a great way to start.

We can guide you through the application process in order to get covered with Petersen International Underwriter’s Buy/Sell Plus policy. This will offer you the ultimate protection when you really need it. Call us at (800) 788-8921 or fill out our quick Contact Form so that we may reach out to you.

How To Get A Disability Insurance Company List

Posted on September 23, 2016 by Rene Apack No Comments

disability insurance company list cartoon picture

Most people aren’t aware that their greatest asset is their ability to work and earn an income. Disability Insurance protects you when you can’t earn a paycheck due to an injury, disability, or illness. If you are considering investing in Disability Insurance you are making a very smart decision that will financially protect you. Investing your money, you want to make sure you are making the right choice when it comes to which Disability Insurance company is going to cover you when you need it. We are going to highlight how to pick the best disability insurance company for you & how to get a disability insurance company list.

First Things First: Get A Disability Insurance Advisor

When you start your Disability Insurance journey, it’s wise to get an advisor.

Why?

An advisor is an experienced individual who knows the ins and outs of this type of insurance. They will know what it will take to get approved, which documents the insurance company will be looking for, and help you through the application process. They will be the one to go to for questions and concerns.

Each advisor has a Disability Insurance company list. Most may be willing to give you a copy of their list. They may also have feedback about certain companies that may or may not be useful to you in making your decision of picking a Disability Insurance company. Everything you learn from the advisor can be used to ultimately pick the best insurance company for your needs.

Next: Get Your Disability Insurance Company List

We recommend going with the company that fits your needs and offers the benefits and options that you want.

Below, you see a list of disability insurance carriers for Insure Your Future. This is not a comprehensive list, but one that covers the companies that we tend to work with.

A F L A C
American General
Americo Life Insurance Company
Assurity Life Insurance Company
Berkshire Insurance Company
Central States Insurance Company
Fort Dearborn Life Insurance Company
Guardian Insurance Company
Illinois Mutual Insurance Company
LLOYD’S of London
Mass Mutual Financial Group
Met Life Insurance Company
Mutual of Omaha Insurance Company
Principal Financial Group
Reliance Standard Insurance Company
Standard Insurance Company
Union Central Insurance Company
UNUM

Finally: Get Covered!

As mentioned, we recommend to work with an experienced advisor to get Disability Insurance. It is an important decision and you need to make wise decisions when it comes to picking a company. Make sure you fully research the company before making the final decision. It will make you feel safe and comfortable about being protected by them.

Our advisors can help you learn more about Disability Insurance and the companies that provide it. We can also provide you with a print copy our our disability insurance company list for your convenience. Connect with us by calling us directly at (800) 788-8921 or fill out our brief Contact Form so that we may reach out to you.

We look forward to working with you!

Disability Insurance v.s LTC | What’s The Difference?!

Posted on September 12, 2016 by Rene Apack No Comments