With any relationship, trust is a key factor. When it comes to purchasing Disability Insurance you must be able to trust your advisor. Your Disability Insurance advisor is the key for you to understand the ins and outs of your policy and the terms. It is important that you feel comfortable with who you choose to work with. They will be the difference between a positive of negative experience with the Disability Insurance process.
When you meet with your choose Disability Insurance advisor, there are a few things to keep in mind.
You will be asked many questions about your current health, your medical history. and your finances. Tell your advisor the truth about your current situation. It will allow the advisor to help you the best if the he/she has all of the correct information. The advisor will want to know if you smoke or if you have a chronic illness. By being dishonest, this will delay the process or also may cause you not to be covered by the insurance company.
Be Prepared To Answer Many Questions
As previously stated, you will be asked many personal questions. It would be helpful for you and the advisor if you prepare a personal financial statement that includes your assets, liabilities, and living expenses. The will not only save you time, but allow the advisor to use this to analyze your expenses and educate you on what options are available for your budget. The agent will also ask you what medications you are taking, if you participate in any risky hobbies, and other personal health questions.
You Deserve Time and Attention
Make sure you are getting the advisor’s undivided attention during the meeting and that he/she has listened to your needs, and answered all your questions. Have the advisor fully explain the recommendations to you in detail so that you fully understand. Don’t rush into a decision or be rushed by the advisor. If ultimately, you are not comfortable or satisfied with your Disability Insurance advisor, find another one.
Get Started With Us
We can help you get the process started or simply just learn more about Disability Insurance. Our experienced advisors will be at your service and answer all of your questions. Call us at (800) 788 – 8921 or fill out our Contact Form and one of our advisors will contact you promptly.