4 Life Insurance Options Approved For Multiple Sclerosis | Yes, People With Multiple Sclerosis Can Obtain Life Insurance | Here Is How

Updated: March 18, 2024 at 9:24 am

Book with diagnosis multiple sclerosis.Do you have multiple sclerosis and have had a hard time obtaining life insurance?

Yes, John, I have. I was just declined. 

That happens, but the good news is that we can get you life insurance if you have multiple sclerosis, even if you have been declined before.

Even if I have been declined? 

Yes. Moreover, we can usually help you obtain life insurance easily.

Even if you have been declined before.

Continue reading 4 Life Insurance Options Approved For Multiple Sclerosis | Yes, People With Multiple Sclerosis Can Obtain Life Insurance | Here Is How

Discover A Viable Dental Insurance Plan For Massachusetts Residents

Updated: March 15, 2024 at 5:34 pm

Are you a Massachusetts resident looking for affordable dental insurance plans, offering good value?

Yes. I can’t find anything good.

I know what you mean. I’m a Massachusetts resident, too.

Unfortunately, not as many dental insurance carriers operate in Massachusetts. We will get to why in a minute.

Obviously, that doesn’t leave many options for Massachusetts consumers.

The good news is that we work with a dental insurance company that offers good dental benefits and value.

Continue reading Discover A Viable Dental Insurance Plan For Massachusetts Residents

Life Insurance For Women: A Comprehensive Guide To Approval

Updated: March 6, 2024 at 8:58 pm

Women don’t often think about purchasing life insurance on themselves, but they should.

Women play a pivotal role in the family dynamics. Moreover, the family relies on them more than ever before.

If you are a woman, have you thought about proper life insurance on yourself?

It’s hard to think of your mortality, but death does happen to all of us. Even unexpectedly and the most healthy.

While nothing and no one can replace a “mom” or you, the protection and financial security behind a life insurance policy for your spouse, children, or loved ones goes way further than words can express.

In this comprehensive guide, we discuss all things life insurance for women. However, unlike other websites, we go into way more detail. We discuss how life insurance works, how to apply, what if you have health conditions, and the types of plans available. You can even apply for a direct, instant-decision policy on your own here on this page (at the end of the article).

We also discuss 10 reasons why women need life insurance. As you will read, some reasons resonate more than others.

Here’s what we will discuss.

Let’s jump in and discuss what life insurance is and how it works.


What Is Life Insurance For Women And How Does It Work?

Life insurance is a type of insurance policy that will pay a monetary benefit to another person or entity upon your death. This other person is called a beneficiary. Usually, the beneficiary is your spouse, loved ones, children, etc.

When you pass away, your beneficiaries can use this money benefit (called the death benefit) for their needs.to illustrate how life insurance works for women

For example, if you unexpectedly pass away, your spouse can use the death benefit money (typically a lump sum, but we have carriers that will pay installments over time) to pay off outstanding debts like a home mortgage, pay off student loans, or save for college.

Life insurance:

  • protects your family’s future.
  • is a financial safety net.
  • works the same way as your male counterparts

John, I know what life insurance is. But, I am not the primary breadwinner. My spouse is. I don’t need life insurance.

I hear this from a lot of women. This is completely false thinking. Even if you are a stay-at-home parent, you still need life insurance on yourself. Unforeseen circumstances happen all the time, even to the best and most healthy people.

Think about it. We all know stay-at-home moms (dads, too) are the backbone to keeping the house in order, homework help, driving kids to school, etc., etc. While ranges vary, many websites say that stay-at-home moms make $130,000 to $180,000 annually!

This financial value happens when you factor in all the things your family would have to pay for if you didn’t exist! How would your surviving spouse make ends meet if you passed away?

Even if you do work, you do understand the limitations around the life insurance policy you have through work, right? We will get to this in a minute.

Your Loved Ones Receive The Death Benefit Money

So, the life insurance policy is in your name as the insured (and owner, usually). Upon your passing, the life insurance company pays your beneficiaries (i.e. your loved ones who you care about the most) the death benefit that they can use to continue their lifestyle. Sure, nothing will ever replace YOU. However, receiving a life insurance benefit eases the pain and allows your loved ones to grieve without worrying about money. It gives them some peace of mind, especially if you ARE the breadwinner.

Let’s discuss the types of life insurance available to women next.


Types Of Life Insurance Available To Women

Many types of life insurance policies exist in the United States. Here are 3 common life insurance policies available to women.

Term Life Insurance For Women

Term life insurance is a common type of life insurance. Many employers offer term life insurance as a worksite benefit. Additionally, hundreds, if not thousands, of life insurance companies here in the United States offer term life insurance.

Term life insurance costs less compared to other types of life insurance (more on those next). The reason is that the insured must pass away within the policy “term” for the beneficiary to receive any death benefit.

For example, if Jane has a $500,000, 20-year term, her beneficiaries receive a $500,000 death benefit if she passes away within those 20 years. If not, her beneficiaries receive nothing (unless, of course, she has additional life insurance).

Underwriters will analyze your situation including your health and lifestyle. Based on actuarial factors and your situation, they determine the probability of your passing within the term period you applied for. That is why term life insurance rates are so cheap. You have to pass away within the term period. If you have moderate to serious health conditions, underwriters apply a table rating.

Note: a few life insurance companies provide a “decreasing term” plan. This type of term life insurance works very well for mortgage protection (i.e. you use the death benefit to pay the remaining mortgage on your loan.) or some other type of loan. Contact us if you have any questions.

Whole Life Insurance For Women

to show the common types of life insurance for women.Whole life insurance is a type of permanent life insurance. It is called “permanent” life insurance because it is designed to last your entire lifetime (i.e. your “whole” life). As long as you pay the premiums, the life insurance company pays the death benefit upon your death. That could be 1 year from now or when you are 95.

As you can imagine, since we all die, whole life insurance costs more compared to a term life insurance plan. The carriers already earmark paying your death benefit. As long as you make the premium payments, the life insurance company pays the death benefit.

This is why whole life insurance costs more and has higher premiums compared to term life insurance.

For example, a healthy, 35-year-old woman wanting $500,000 might pay $30 per month for a term life insurance policy. However, a $500,000 whole life insurance policy might cost 389 per month!

Many people think whole life insurance is a waste of money. It isn’t. It can be a bad idea to purchase if it doesn’t fit into your needs and situation. For example, whole life insurance works well when you need to pay estate taxes or fund a special needs trust, for example. It also works well if you want a safe CD alternative to growing your money. (It’s true.)

Additionally, it can be a good idea to purchase if the plan contains living benefits. We will discuss life insurance with living benefits later in the article.

Universal Life Insurance For Women

Universal life insurance is another type of permanent life insurance. However, it operates much differently than whole life.

For one, universal life has a different policy structure. No guarantees exist (although many of the policies today do have some guarantees for a set number of years, for example, 10 years).

Because of its structure, universal life potentially allows a higher cash value growth compared to whole life insurance. You may have heard of indexed universal life.

We discuss universal life, and indexed universal life, throughout this article. Two advantages of indexed universal life include:

  • tax-deferred cash value growth and possible tax-free income distributions
  • living benefits to pay for chronic care (i.e. long-term care) situations when you are older

I speak to women every day about life insurance. Here are 3 facts about women and life insurance that they did not know about. You need to know these facts as they support the reason why you need life insurance.


3 Facts About Life Insurance For Women

Many myths and misrepresentations exist about life insurance on women. We discuss them throughout the article. However, here are 3 facts women should know about life insurance.

It’s Cheaper On Women Than On Men

For one thing, the cost of life insurance is less on women than on men. The reason is life expectancy: women live longer than men.

For example, while that $500,000, 30-year term plan might cost around $30 per month for a woman, it could cost $35 per month for a man, assuming the same health and lifestyle situation.

Additionally, when polled, many women thought term life insurance was way more expensive than they thought.

You can search for estimated life insurance premiums through our quoter at the end of the article.

Women Can Obtain Life Insurance When Pregnant

Contrary to popular belief, women can obtain life insurance when pregnant, provided no gestational diabetes, eclampsia, pre-eclampsia, toxemia, or other medical conditions exist. If none, then life insurance options are available.

It behooves women to get life insurance if they don’t have any and are pregnant.

You see, some women run the risk of postpartum depression and other medical conditions after giving birth. In fact, The Lancet Global Health stated that 1 in 3 women experience some type of health condition after giving birth.

These situations can create a table rating or even a declined application depending on the severity of the condition and the timeframe when the woman applies.

If you are pregnant, it can make sense to obtain some level of life insurance coverage before giving birth. Many simplified issue life insurance plans do not ask about pregnancy on the application, either.

Life Insurance Isn’t For Primary Wage Earners

We discussed this incorrect belief earlier in the article. Even if you aren’t the primary breadwinner, you still need life insurance. We discussed how stay-at-home mothers need life insurance just as much as their working spouses. In fact, as we showed before, many studies show that a stay-at-home mom “makes” $130,000 to $180,000 annually with all the things she does.

Whether you are the primary breadwinner or you are a stay-at-home mom, seriously consider ample life insurance on yourself. Many carriers allow a death benefit coverage amount equal to what they would allow on your spouse.

Upon your death, your family receives the death benefit, income tax-free. They use this money to continue their lifestyle and live on. Of course, nothing matters more than you. However, your family can grieve without worrying about what happens next to the home, expenses, etc.


10 Reasons Why Women Need Life Insurance

If what we’ve discussed so far hasn’t spurred you to get life insurance, let’s discuss 10 more reasons why you need life insurance.

Cover Burial Expenses

A common use for life insurance is to cover burial/funeral expenses and final expenses. Many websites say the average funeral costs around $8,000. However, this isn’t really true. Ask anyone who just buried a loved one, and he or she will say it costs more, like $15,000. (My dad’s funeral cost $16,000.)

In order to fund your funeral expenses, all you need is a whole life insurance policy with a $15,000 to $30,000 death benefit. (Or, more or less – whatever you can afford.) This type of whole life insurance is commonly known as burial insurance.

A $25,000 whole life insurance (i.e. burial insurance) policy costs about $78 per month for a 60-year-old woman, assuming good health.

It is generally easy to apply for. You just answer some health questions. Many carriers have this automated where you will receive a decision instantaneously or within a few days.

Again, this type of policy proves beneficial if you want to pay for your funeral costs and/or leave a little money/inheritance for loved ones.

Employer-Provided Coverage May Not Be Enough

Employers typically provide group term life insurance coverage as an employee benefit. One of the advantages of group term life insurance is that the employer typically pays a portion of the premium. Additionally, group-term carriers usually don’t require any health or lifestyle underwriting.

However, a major disadvantage is that coverage usually isn’t enough.

I hear from women that they are “all set” with their life insurance through their job. When I ask them how much they have, they usually don’t know.

When they do research and find out, they tell me the death benefit is like $100,000. Honestly, it’s not enough. If they passed away, that $100,000 would vanish in a few months, considering funeral expenses (above) among other things your surviving family would have to pay for.

Group term life plans usually have 2 structures. Either the plan provides a multiplier of your salary or a flat death benefit amount, all up to a maximum. (The plan must meet ERISA regulations, which are outside the scope of this article.)

For example, a group term life plan might provide “3 X of salary up to $250,000”.

Again, when you peel back the onion layers, a $250,000 death benefit probably isn’t enough for your loved ones.

Let’s say you have a $500,000 mortgage. Well, right there, you are underinsured if your group term life insurance is $250,000.

A second disadvantage is that many group term policies end upon your employment termination.

Any way you look at it, it makes sense to add individual life insurance coverage with any group term insurance plans.

Replaces Your Income

If you unexpectedly pass away, life insurance replaces your income. Your loved ones can use this money to pay for things and support the household.

As we stated before, even stay-at-home mothers have financial value. Your surviving spouse can use the death benefit to pay for child care, household help, etc.

While nothing will ever replace you, having this money truly eases the pain and burden of how to pay for things and what to do next.

Moreover, if you are a stay-at-home mom, your loved ones can use this death benefit money to pay for child care and figure out Plan B.

That is really what life insurance is. It gives your loved ones some financial support and “breathing room” on what to do next. They can mourn and grieve without worrying about what to financially do next.

Transfers Wealth, Leave An Inheritance, Leave For A Charity

Honestly, there is no better way to leave money to a loved one, leave an inheritance, or support a favorite charity than life insurance.

Why?

Because, currently, the life insurance death benefit bypasses probate and goes right to your named beneficiary.

Moreover, currently, your beneficiary receives this death benefit income tax-free.

In other words, let’s say you have $100,000 earmarked for your son. You pass away. Your son receives the $100,000 directly from the life insurance company. He can do anything he wants with it: buy a home, invest, save, etc. The death benefit is income tax-free. He does not report the money to the IRS.

Supplement Retirement Income

to describe 10 reasons why women need life insuranceAlthough I believe better ways to save exist, you can use the policy’s cash value (permanent plans only) to supplement your retirement. Advocates of using permanent life insurance as a retirement plan say that you can receive the cash value income tax-free. No IRS rules exist for distributions, either. You can remove as little or as much as you want or none at all.

While advantages exist, know that the policy’s cash value is a safe asset. What this means is that don’t expect extraordinary returns. Regarding whole life insurance, the cash value is a safe place to grow your money (if that is what you want to do), and it is a better alternative to CD rates. This is true.

However, you want to weigh your needs and goals carefully here. For example, indexed universal life is a popular alternative to investing in the stock market. You likely have heard about them. You probably have heard that an IUL is better than sliced bread. Superlatives galore. Many agents won’t stop glorifying this product, but they then gloss over the disadvantages, how universal life works, what the fees are, and that, at the end of the day, it’s still life insurance. Carriers can change their “cap” rates anytime and returns depend on a successful stock market combined with better-than-average cap rates.

Nevertheless, these permanent insurances can work for supplemental retirement income. You just want to measure your goals and needs first. Additionally, you need to set your expectations correctly.

Pay For College

A common use for life insurance is to pay for college. Upon your unexpected death, your loved ones can use the death benefit money to save and pay for college.

Pay Your Mortgage

Mortgage payment is another common use for life insurance. Unfortunate as it sounds, it is common for a surviving family to lose their home upon the death of a parent. In fact, it is a top reason why families lose their homes (medical debt and illnesses/disabilities – unable to work – usually take the top 2 spots).

As we said before, even if you are a stay-at-home mom, it makes sense to have enough life insurance coverage that will pay off the mortgage.

Moreover, we work with a couple of carriers that truly offer “mortgage” life insurance protection. If you are generally healthy, you’ll pay 20% to 40% less compared to a traditional term life insurance plan.

Contact us for more information.

Pay Estate Taxes

Since life insurance bypasses probate, it can be a great way to pay for estate taxes (if you feel that your family will be subject to estate taxes).

The payment of estate taxes is outside the scope of this article. If you have questions about estate taxes, please contact us.

Invest In “Safe” Money

I mentioned this before. The cash value in a permanent life insurance policy is a conservative, safe savings vehicle. The life insurance carrier backs the cash value account.

The cash value in a permanent life insurance policy can be a great CD alternative because life insurance carriers generally offer a much higher interest rate. Moreover, the cash value grows tax-deferred. That doesn’t happen in a CD. You pay tax annually. Additionally, if structured correctly, you can remove the cash value income tax-free.

John, I am not putting my money with some life insurance company!

I know what you mean. I hear this all the time. People are generally afraid that they will lose money in their life insurance policy, but that isn’t the case. Moreover, carriers that exist today have A ratings (AM Best). Additionally, many of these carriers have been around since the 1800s and have witnessed, and survived, every type of economic meltdown this country has had.

If you are looking for an alternative and safe place for your money, life insurance is an option. Additionally, it can be an alternative for emergency savings.

As I mentioned earlier, however, you want to analyze your needs and situation to make sure purchasing permanent insurance for the cash value makes sense.

You Have A Family Who Loves You

This is the most important reason to buy life insurance. It is rather obvious. You have a family who loves you. If you unexpectedly pass away, you wouldn’t want them to be burdened by financial constraints, right? They will already be mourning your loss. Life insurance eases the pain. Sure, it won’t take the pain away, but your loved ones will live on without any financial constraints or burdens.

Even if you are a single woman, you have parents, siblings, or nieces/nephews who care and love you. Their

Now that you know the 10 reasons for women to buy life insurance, let’s discuss how underwriting works.


Life Insurance Underwriting 101 For Women

John, you make great points. I am ready to apply.

Sounds good, but first, we need to discuss underwriting.

Underwriting is the process of analyzing an insurance application and determining if it is an acceptable risk for the company. This is where they decide whether to approve your application or not.what is involved in the life insurance underwriting process for women

If the risk is, the life insurance company (the underwriters) accepts the application and makes an insurance offer. If the risk is higher than anticipated, they may assign a table rating to the application. Moreover, if the risk is too great, they will decline the application altogether.

Underwriters analyze several areas of your background including your:

  • health – analyze your medical history including your medical records
  • lifestyle – like hazardous hobbies such as skydiving, scuba diving, or frequent, international trips
  • driving records – like reckless driving including DUI
  • public records – felonies, misdemeanors, or substance abuse
  • anything else material to your application

Sometimes, the underwriters require a paramedical exam, which is a “mini-physical”. This step includes blood work and a urine sample. They are looking for HIV, high blood sugar, drugs, nicotine, THC, etc. in your blood and urine. However, because of medical technology today, many life insurance companies are moving away from the paramedical exam step.

If you want ample life insurance, you are going to have to go through underwriting. There is no avoiding it. Depending on your health and situation, many underwriters will “accelerate” the life insurance underwriting process. If you are in good health with no serious health conditions or lifestyle situations, then you can even apply for instant-decision term life insurance. This is “on-the-spot” decision. Computers review your:

If all checks out, carriers will approve your application immediately.

See below for 2 instant-decision application links.

Guaranteed Issue Life Insurance For Women

Only one type of life insurance, guaranteed issue life insurance, does not require underwriting. The carrier “guarantees” issuing the policy. However, because no underwriting exists, the life insurance company places a “waiting period” on the death benefit.

Additionally, they limit the death benefit to a small amount, like $25,000.

Guaranteed issue life insurance is appropriate for people with severe medical conditions or risky lifestyle situations.

If you feel you need a guaranteed issue policy, contact us. We have helped many people who thought they were only eligible for guaranteed issue life insurance to obtain better coverage.

We Help Many Women With Health Conditions Obtain Life Insurance

John. It all sounds good, but I have a few health conditions. I don’t qualify.

Not true. We have helped many women with health conditions obtain life insurance. Contrary to what you may think, you don’t need to have the health of an Olympic athlete to obtain affordable life insurance.

Here is a list (not exhaustive) of where we have helped women:

Contact us. We can help.


The Life Insurance Application Process For Women

to describe the life insurance application process for womenIn recent years, with the assistance of technology, life insurance carriers have made it easier for women to apply for life insurance.

For the most part, gone are the days of a long wait before you hear a decision. Only in the most serious situations do life insurance providers take their time analyzing an application.

For many of us, after we apply, the decision could be a few days to a couple of weeks.

Additionally, as we stated before, if you are generally healthy with no risky health conditions or lifestyle situations, you can apply for instant-decision term life insurance.

I can’t comment on how the life insurance process is with other agents and brokers. However, here is what to expect if you decide to work with us.

  • We review your background and health situation. If you are in good health with no issues, you can apply for instant-decision term life insurance (if that is what you want).
  • If you have moderate-to-severe health conditions or a risky lifestyle situation, we prequalify you with underwriters. This gives us an idea of what your life insurance premium could be.
  • We review your options and have you apply when you are ready. Depending on the carrier, they will email you the application directly or we fill out an electronic application together over the phone.
  • We consistently update you during the underwriting process. As mentioned before, sometimes carriers require a paramedical exam, blood, and urine sample. We can set that up on your behalf.
  • If all checks out, then underwriters approve your application, and you have life insurance.

Applying for life insurance with us is a simple process. Moreover, we keep your information and data secured (honestly, we don’t keep any of your personal information except your name, phone number, and email address).


What Should Women Consider In A Life Insurance Policy?

What is the right life insurance policy for you? Here are 4 factors women should consider in a life insurance policy.

The Type Of Policy

You need to select the right type of life insurance policy. I like to use the types of life insurance akin to the types of vehicles.

If you live in the city, a big vehicle may not serve your purpose well. Maybe a smaller vehicle with good gas mileage does. However, this same small vehicle probably won’t do so well in a snowstorm on the highway! In that case, you need something with 4-wheel drive. Additionally, if you haul many materials and things, then a truck works, but a car…probably not…

The type of life insurance is no different. Women need to make sure they select the right life insurance policy right from the start. Otherwise, you will just waste your money.

If you need life insurance coverage to cover your unexpected death, term life insurance is the best option. It pays a death benefit to your loved ones that they can use to live on. I would suggest that nearly all of us need some amount of term life insurance. Moreover, it is cheap. Term life insurance is cheap because it only pays a benefit if you pass away within the term period.

That brings us to permanent types of whole life insurance like whole life. Permanent life insurance contains higher life insurance premiums because it will pay a benefit no matter when you die. Since we all die at some point, the life insurance company already factors that event into its premium.

Permanent insurance is good for paying for funeral costs and/or medical expenses (i.e. burial insurance) or safely accumulating cash value.

How Much Death Benefit Do You Need?

You will also want to consider how much death benefit you need.

Some agents just use rules of thumb like “10 X your salary”. So, if you make $50,000, then you need $500,000.

Directionally, this works. However, this process is incorrect.

It doesn’t take into account your specific needs.

Please see our Life Insurance Needs Worksheet.

You can overwrite the numbers in the worksheet. They are there as placeholders.

A couple of things to note:

  • on #2, the cost of living factor is really the number of years you would want your surviving family to live on based on your salary or income in #1.
  • on #3, if you are generally healthy, we have a term life product that works a little better for mortgage payoff than a traditional term plan. It also costs 20% to 40% less than a traditional term plan.

Life insurance is financial protection. You will want to consider your loved one’s financial needs upon your death.

Who Are Your Dependents / Beneficiaries?

If you have young children, you will want as much life insurance as you can obtain.

However, if your children are grown, your life insurance needs are likely different.

Who your beneficiaries are and where they are in life also plays a role in the amount of life insurance coverage you want.

Additionally, you may leave death benefit to a favorite charity.

Do You Have Any Debts?

Life insurance is a great way to pay off debts such as a mortgage or another type of loan. In fact, many banks and lenders do require life insurance to pay off the loan in case of your unexpected death.

The life insurance worksheet illustrates proper coverage. It is not as simple as “10 X your salary” as many agents or brokers suggest.


What Women Can Get Life Insurance?

Any woman can. That is right.

Employed women: did you know that 4 in 10 women are the primary wage earners for their households? It is true. If you are the primary wage earner in your household, you need life insurance. Even if you have some through work (which isn’t a lot, usually), you can obtain more. If you unexpectedly pass away, your surviving loved ones can use the death benefit for their financial future (i.e. college, pay off a mortgage, savings, etc.). Additionally, if you are the secondary wage earner, your family STILL relies on you and your income.

Stay-at-home mom: I receive many phone calls from stay-at-home moms looking for life insurance on their spouses. When I ask them how much they have, they typically reply that they don’t need any because they don’t make any money. That isn’t true. Stay-at-home moms provide a financial contribution that goes beyond earning a paycheck outside the home. If you died, your loved ones would need money to pay for things like child care, driving, and other household duties. So, don’t devalue yourself. Usually, carriers allow a death benefit up to the family’s overall household income. Use our worksheet for assistance.

Single moms: There were 15 million single-mom households in the US in 2022. If you are a single mom with children who depend on you, you need life insurance it is that simple. A simple and inexpensive term plan will do just fine. You can look up estimated costs below. Remember, we have insured people with many and varying degrees of health conditions and situations. I am sure we can help you out, too.

Other Women Who Need Life Insurance

Single women: Many single women mistakenly think they don’t need life insurance because they don’t have any dependents. That is not true. I hear this from many younger people. Now would be the time to obtain some level of life insurance. Why? It is cheap, for one. You can purchase a 40-year term policy if you wanted to protect your life for that long. Additionally, you could use permanent life insurance like whole life or indexed universal life for the living benefits or to supplement your retirement income.

Business Owners: Are you a small business owner? According to the SBA, women owned 12,000,000 businesses here in the US. If you are a small business owner, did you know life insurance can protect the value of your business that you worked so hard for? Life insurance is a common solution for:

  • buy-sell agreements
  • key person insurance
  • loan agreements
  • recruitment (through a group employer policy)
  • supplemental executive protection and bonus plans

Contact us if you would like to learn more how life insurance can protect your business, you as a business owner, attract/retain employees, and enhance executive compensation.

Non-Citizens: Contrary to what you may think, life insurance companies allow non-citizen women living here in the US life insurance. The types and coverage amounts depend on your legal status and your home country, among other variables.

  • Green card – nearly all carriers will accept an application
  • Immigrant working visa – some carriers will accept an application
  • Undocumented status – only a few carriers will accept an application (i.e. you have an ITIN)

We have helped many non-US citizen women, including those undocumented, obtain life insurance. Contact us to learn more.


How Much Does Life Insurance Cost For Women?

John. Great article so far. So, how much does this all cost?

Good question.

Your life insurance premiums are based on everything we talked about in our underwriting section (above).

So, the premiums are based on your:

  • age
  • health, including your height and weight
  • lifestyle situation
  • driving record
  • nicotine status
  • public records
  • anything else the underwriter deems material to your situation

In many cases, your policy costs $1 or $2 each day.

Think about that. What frivolous things do you spend your money on each day? Is there anything more important than a life insurance policy rather than the $5 Starbucks drink purchased each day?

No, John. You are right.

Do you want to get an idea of what life insurance costs? Feel free to use our term life insurance quoter below.

The quotes here are estimates only. Be truthful about your health and situation status.

Note: the quoter does not modify your estimated premium for any table-rated health conditions or lifestyle situations.

Remember: these are estimates, and the underwriters make the final premium determination through the underwriting process. Nevertheless, the quoter does give you an idea of how much life insurance costs.

John, I am in good health. Can’t I just apply?

Yes. We discuss instant-decision term life options next.


Instant-Decision Term Life Insurance Options For Women

It’s no secret that technology is changing the life insurance application process. While we did not discuss this in great detail, many of you may qualify for simplified or accelerated underwriting. All that means is that the underwriter removes traditional elements of the underwriting process (namely the paramedical exam, blood sample, and urine sample) and speeds up the decision. It cuts the decision from weeks to a few days.

This happens when women have a recorded, consistent health history (which is typically the case) and have good health.

Additionally, some carriers now have offered “instant-decision” term life insurance. Essentially, you apply through a secured link. The carrier looks up all the underwriting elements in the background. If everything checks out, you have life insurance on the spot. It takes 15 minutes.

If you are in good health, feel free to quote and even apply for term life insurance directly on our platform below (note: the term insurance plans offered here do not contain any living benefits).

My Family Life Insurance Instant-Term Platform (you can also apply for accelerated underwriting if you wish)

Note: we have other instant-decision term life options that are agent-assisted applications.

Please keep in mind that carriers offering instant-decision term life have stringent requirements including, but not limited to:

  • BMI between 18-36
  • US Citizens and lawful permanent residents
  • Valid driver’s license
  • Occupation (Employed or student, stay at home/retired)
  • Meet financial underwriting guidelines
  • No criminal history (felonies)
  • Not disabled or receiving disability benefits
  • Never been rated or declined for life or disability insurance
  • No serious medical impairments

If you have medical impairments or unique lifestyle situations, contact us. We can go over your situation and recommend the best course of action.


Final Thoughts About Women And Life Insurance

Women can obtain life insurance. In this guide, we discussed:

  • what life insurance is and how it works
  • type of life insurance available for women
  • 3 facts about life insurance and women
  • 10 reasons why women need life insurance
  • life insurance underwriting
  • application process
  • cost of life insurance and instant-decision term life options

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Contact us or use the form below. We only work in your best interests. That means we put you and your family’s needs first and not our own. This is the only way we know how to work with people.

If we can’t help you out, we will point you in the right direction as best we can. You can always reach back out to us if your situation changes.

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Are you interested in learning more about the information in this article? Please fill out the form below, and we will email you additional information or give you a call. We always work in your best interest. By entering your information, you are providing your express consent that My Family Life Insurance may contact you via e-mails, SMS, phone calls, or prerecorded messages at any phone number(s) that you provide, even if the number is a wireless number or on any federal or state do-not-call list. Additionally, you understand that calls may be placed using automated technology, and that consent is not a requirement for purchase. Your information will NOT be sold and will remain private. However, you may opt out at any time. We respect your privacy first and foremost. By contacting us, you agree to receive text messages from our number (800) 645-9841. If you no longer wish to receive text messages, you may opt out at any time by replying "STOP".

Best Disability Insurance Options For Massage Therapists | Here’s What You Need To Know!

Updated: February 10, 2024 at 3:48 pm

disability insurance for massage therapistsI think you’ll agree with me that massage therapists probably don’t think about disability insurance.

But, they should.

Why? Well, your work is hands on…literally. You truly make a difference in your client’s lives. Moreover, you particularly enjoy how you help your customers feel better, de-stress, or recover from chronic pain!  You rely on your skilled knowledge as well as your physical ability to get the job done.

What if you could no longer do that job? Have you ever thought about what would happen if you became sick, ill, injured, and disabled? How would you pay the bills if you could not work?

A disability quickly affects your plans and the lifestyle you worked so hard for.

In this article, we discuss the following. Feel free to jump around as needed:

Let’s jump in and discuss why you need disability insurance.


Why Massage Therapists Need Disability Insurance?

I get it.

You don’t think about disability insurance. Life is too busy.

You won’t get sick or hurt, either. That happens to someone else, right? (More on that in a minute.)

Your clients are very important, too. You need to focus on them, keep them happy, grow your business, and make money.

However, there is a group of people who are more important. Who can be more important than my customers, you think? They pay my income.

True. They do, but they don’t love you as your family loves you. By far, if you have a family, your spouse and children rely on you more than you think. They love you more than anything.

In other words:

If you and your family will struggle to pay the bills (e.g. your mortgage, groceries, healthcare, electricity, etc.) if you get sick or hurt and can’t work, then you need disability insurance.

It doesn’t get much clearer than that. If you need more reasons, see our article on the 5 reasons you need disability insurance.

What Is Disability Insurance For Massage Therapists

What is disability insurance for massage therapists?

It is a type of insurance that pays you a monthly benefit amount if you can’t work as a massage therapist due to an illness or injury.

Simple. If you are sick or injured and can’t work, then you receive a benefit. This benefit helps pay your bills as you recover or go through treatments.

Sounds good, John, but I have health insurance. That will pay for everything.

I hear that from a lot of professionals. They think health insurance will pay for their income loss.

Health insurance pays for your medical expenses (and even then, it won’t pay for everything). So, how do you pay for your living expenses such as your mortgage, utilities, internet, groceries, those medical expenses that your health insurance DOESN’T pay for, etc?

Disability insurance helps pay for all that.

Sometimes you will hear disability insurance as disability income insurance. It all means the same thing as this insurance protects your income

What Is Your Plan B?

I speak to professionals about disability insurance every day. When I ask them:

 If you got hurt yesterday, how would you pay your bills today? 

I hear crickets.

As I like to ask, what is your “Plan B”?

Disability insurance is your Plan B. If you get sick or hurt (which happens very often) and can’t work without disability insurance, then you’ll have to answer some tough questions.

  • Would you and your family be able to continue your standard of living without your income?
  • What would you have to change?
  • Would your spouse have to work or work more?
  • Would you need to sell your home to make ends meet? Who could be flexible with the children?
  • Would you have the money to hire someone to take care of the kids?

The tough questions can go on and on.

A disability can destroy your dreams. They don’t have to, though. With disability insurance, you have peace of mind knowing that you have a plan – and income – in place should the unexpected happen.

Yes, But A Disability Won’t Happen To Me

You think it won’t. However, the probability of having a long-term disability is anywhere between 1 in 3 and 1 in 4 workers.

Contrast this to unexpected death, say from a motor vehicle accident, which is 1 in 93. Even dying from cancer has better odds: 1 in 7.

But, John, I’m not going to get sick, hurt, or be in a wheelchair, you say. I hear that response a lot. If you can tell the future, then you would be a very rich person, right?

I am not intending to be condescending or facetious. However, I am showing the silliness of this common response

In all seriousness, when we think of disability, we think of someone bound in a wheelchair, right? Not true and far from it.

According to the Council For Disability Awareness, 90% of disabilities are from illnesses (like cancer) and musculoskeletal issues (like lower back pain) than from accidents. That means an illness or condition, such as cancer or a heart condition, has a higher probability of disabling you than a skiing accident.

Moreover, many massage therapists develop hand, wrist, arm, back, or shoulder problems over time. These chronic musculoskeletal issues are disabilities! Even carpal tunnel syndrome is a disability if it prevents you from doing your job as a massage therapist.

Ok, John, but I have workers compensation. I don’t need to worry about money. That’s great, I say. Did you know that 5% of disabling conditions are work-related? That means workers compensation does not cover the other 95% of disabling injuries. That makes sense since 90% of disabilities are from illnesses.

Again, what is your income plan if you can’t work?


The Types Of Disability Insurance For Massage Therapists

Now that I have your attention, there are 4 types of disability insurance available to massage therapists:

  • short-term disability insurance
  • long-term disability insurance
  • business overhead disability insurance
  • accident-only disability insurance

Many people ask us about the difference between short-term disability insurance and long-term disability insurance. Here’s the difference.

Short-term disability insurance, as it sounds, is designed for a disability of a short period. Let’s say you break your hand. Well, it’ll be hard to work as a massage therapist with a broken hand, right? So, that is a disability – you can’t do your job as a massage therapist. How long does a broken hand heal? Two to 3 weeks? Once you’ve met the waiting period, you’ll be eligible for benefits and receive some disability benefits.

Long-term becomes the life-saver for those disabilities that last longer than 3 months. Cancer… a catastrophic injury…ALS…Diabetes…back issues…you name it.

Most families can get by financially when one member has a short-term disability. Sure, it might be tough, but families can get by. However, it’s a long-term disability that can financially ruin families. A family can potentially face severe financial risks if a breadwinner does not have adequate long-term disability insurance.

Two Additional Disability Insurance Plans For Massage Therapists

Many massage therapists are small business owners or 1099 independent contractors. It’s a good idea for massage therapists to insure their business expenses as well.

Business overhead disability insurance insures your business expenses. So, if you are a self-employed massage therapist, then you can insure your rent, licenses, taxes, etc. This type of insurance is ideal and premiums are tax-deductible as well.

Finally, there is accident-only disability insurance. Think of this as a “last resort” disability insurance. It will only pay a benefit if you are disabled due to an accident. The better insurance companies offer coverage for both on and off-the-job injuries. Usually, carriers don’t ask health questions. Most accident-only disability insurance is affordable. The reason is that, as we indicated earlier, most disabilities are not caused by accidents.

In this article, we focus on long-term disability insurance. However, you can contact us for any questions about short-term disability, business overhead, or accident-only disability insurance.

Is Short-Term Disability Insurance For Massage Therapists Worth It?

We receive many inquiries from massage therapists wanting short-term disability insurance coverage.

Honestly, though, you don’t need it. That might shock you. However, those who say you do, you should question their intention. We feel that short-term disability insurance isn’t worth the money.

What, you ask? Why do you say that?

Here’s why.

Short-Term Disability Insurance Can Be A Waste Of Money

You will never hear this from most agents. But, I am not like most agents. to show illustration of a short-term disability insurance quote for massage therapists

Short-term disability insurance can be a waste of money. I mean a lot. Just look at this real quote for a Massage Therapist. This quote is based on a $65,000 net income for a 40-year-old woman. Are you ready to spend $100 to $200 per month on short-term disability insurance?

(Note: this is a 0/7 day waiting period and a 3-month benefit period.)

There’s a reason short-term disability insurance costs so much. There are a lot more short-term claims. Spending a couple hundred a month on short-term disability insurance is common. I am talking about individual coverage. Policies through your employer, if you are an employee and offered,  likely cost a lot less. Those can make more sense, but not individual coverage.

Second, short-term disability insurance covers disabilities for a short-term, maybe a couple of weeks to a couple of months. Then, you are done.

A Better Option For Short-Term Disability Insurance For Massage Therapists

However, there’s another favorable option that covers massage therapists. Do you know what that is?

If you said, emergency savings, you are right.

Saving a few months of expenses proves advantageous. Do you see why? You won’t spend needlessly on short-term disability insurance premiums. You already have the money for your short-term needs. It’s more important to have long-term disability insurance as those long-term disability situations place more financial pressure on families.

What about pregnancy? We described in our article that you could spend more on premiums than receive as a benefit. Yet, these other agents won’t discuss that or these alternatives. They’ll confirm you need it because you think you need it.

If you want some insurance for childbirth, pregnancy, or maternity leave, we discuss affordable options as well. We have helped many massage therapists obtain pregnancy or maternity leave insurance.

If you can obtain short-term disability insurance through your employer, then it could make financial sense. Otherwise, having an emergency fund for these short-term situations is the right solution.


Disability Insurance Underwriting For Massage Therapists

Hopefully, we have made a great case for disability insurance. Not only is your livelihood at stake, but also your family’s.

After you apply, your application goes right to the underwriting department. The underwriting department reviews your application and approves the premium and coverage.

Disability insurance underwriting can be more involved than, say, life insurance underwriting. For disability insurance, there are 4 key areas for premiums and approval:

  • Age
  • Income/Salary
  • Occupation
  • Health Conditions

Your age and income are straightforward. The older you are, the more expensive the policy will be. The higher your income, the higher the benefit, and the higher the premium. Don’t worry about the actual premium. I’ll discuss that more when we talk about premiums below, and how we are different than other agencies.

In case you were not aware, your income is your W-2 gross salary if you are an employee. Your income is your net income if you are self-employed. So, if your W-2 salary is $60,000, that is the number used for underwriting.

Net income is off your Schedule C on your tax return (or whatever you use for your business filing). If you are self-employed, your net income is the number that the disability insurance companies insure. It is your gross sales less business expenses. Without getting into the weeds, your net income as a self-employed massage therapist is essentially the same as a W-2 employee’s gross salary. (Related: see our article on using the right income for disability insurance.)

Disability insurance companies like to look at the last 2 years or 3 years and average out. So, having the last 2 or 3 years of salary on hand is handy for the application process.

Your occupation is straightforward, but we will discuss this later.

First, let’s talk about health conditions next.

Health Conditions Matter With Disability Insurance Underwriting

Disability insurance underwriting is much different compared to life insurance underwriting. Remember, the insurance company is insuring your potential disability (not chance of death, as with life insurance). So, disability insurance underwriters look at your previous and current health conditions much differently.

Essentially, disability insurance companies won’t cover any previous or current health conditions. In other words, the insurance company excludes coverage.

Of course, there are exceptions.

For example, carriers may cover a low-maintenance health condition, such as hypertension or cholesterol, as long as there are no additional complications.

Carriers also cover previous injuries as long as there are no pins, rods, or other structures supporting the injured body part.

However, carriers exclude anxiety and depression, even if under a low-maintenance regimen, from coverage.

Same with going to a chiropractor for “maintenance” on your back. A chiropractor is a Doctor. If you go to one, underwriters see that as an existing problem. So, they exclude coverage on your back and spine. (Note: we have been able to secure disability coverage, including back and spine coverage, for professionals who do visit a chiropractor. It’s a case-by-case basis and important to contact us so we can discuss your situation.)

If you have more serious health conditions, the carrier could place a rating on your policy. A rating is an extra premium the carrier charges for an increased disability risk. Moreover, the carrier may limit options such as limited waiting periods or reduced benefit periods.

Having an exclusion or a rating is not a reason to ignore a disability insurance policy. There are nearly endless ways for a disability to occur.

Your Occupation Matters, Too!

Many massage therapists ask us how their occupation matters with disability insurance underwriting. Well, some occupations are riskier than others. Carriers adjust for this.

All the disability insurance carriers classify occupations based on disability risk.

In general, the carriers classify from 1 or A to a 5 or 6. An occupation with a class 6 has the lowest disability risk due to occupation and a class 1 occupation has the highest.

All things being equal, you’ll pay a higher premium if you are a class 1.

Disability insurance companies usually classify massage therapists as a class 1 or a 2. In some cases, a higher classification may be available.

So, what does this have to do with massage therapists?

Well, you do have the potential for a higher on-the-job disability compared to, say, an office manager. Carriers underwrite this by assigning your occupation the classification number.

We have helped many self-employed massage therapists attain a class 5, thereby saving significant premium money.

While there is general alignment among the disability insurance carriers, some carriers elevate your classification higher. All things being equal, carriers with a higher occupation classification save you money with lower monthly premiums. While not guaranteed due to specific provisions, we have helped many self-employed massage therapists attain a class 5, thereby saving significant premium money.

Additionally, many companies have a work requirement. They generally require your working 30 hours or more per week for a disability insurance policy. These hours include any administrative duties to run your business.

If you are a part-time massage therapist, do not worry. We have helped many part-time massage therapists obtain disability insurance. Contact us for more details.


The Makings of A Strong Disability Insurance Policy For Massage Therapists

Let me tell you something that other agents won’t: disability insurance isn’t complicated. Moreover, you don’t (likely) need all the “bells and whistles”.

This is what I mean. Disability insurance can be tailored to your needs. However, we feel there are some “non-negotiable” provisions that you need in your policy. After that, your preference determines other options and riders.

The first “non-negotiable” is the own-occupation definition of disability.

Luckily, many carriers make this definition of disability available for massage therapists.

The own-occupation definition means that the carriers pay a disability benefit if you can’t perform your own occupation as a massage therapist. It pays even if your disability doesn’t prevent you from working in another job, say as a security guard.

The second feature is partial disability benefits. You’ll want this. All this means is that the carriers pay you a partial benefit if you can work, but just not full-time. Many carriers offer this, but they have a stringent definition (see to the right). We work with carriers that offer an easier definition for massage therapists.

Finally, guaranteed insurability options (future purchase options) are a key feature of a policy. This option gives you the ability to purchase additional coverage (i.e. more disability insurance) in the future, but with no underwriting required. You just need to show financial insurability.

For example, 3 years ago, you made $30,000 and bought disability insurance. Today, you are making $60,000. That is a $30,000 increase! You can insure that amount through the guaranteed insurability option. Without that option, you would have to apply for an additional policy and prove health insurability again. Who wants to do that?

In our opinion, these three features are key to disability insurance for massage therapists. After that, you can choose features and options at your preference.  We discuss those next.

Disability Insurance Basics For Massage Therapists

to show important provisions in disability insurance for massage therapists

There are several definitions and provisions you’ll need to understand about disability insurance to make an informed decision.

There is an elimination period, or waiting period, which is like a deductible. It is the period of time that elapses before disability benefits begin. For example, if you select a 90-day elimination period and are disabled, you’ll be eligible for disability benefits on the 91st day. However, typically with carriers, you won’t get paid until 30 days later or day 120 or so. This means you need to have adequate savings to carry you and your family until benefits begin.

For long-term disability insurance, you can go as low as 30 days for a waiting period.

Disability insurance companies allow a benefit period of 5 years. It’s important to note that the benefit period is based on each claim. As long as you pay premiums, you will have disability insurance to age 67 (unless you have a conditionally renewable plan, and those do exist).

You might be wondering why we are telling you this. The reason is all of this leads to premiums. The lower the waiting period, the higher the premium you’ll pay. The longer the benefit period, the higher the premium you’ll pay. And, vice-versa. All things being equal, of course.

You will have to make decisions based on benefits versus cost. Everyone wants the “Ashton Martin” plan. However, nearly everyone can’t afford that. Additionally, the old adage runs true here: some coverage is better than none.

Some coverage is better than none!

Optional Disability Insurance Riders For Massage Therapists

You can add optional disability insurance riders (link) at an additional cost to your policy that best fits your needs and budget. Some popular rider options for massage therapists include:

Retroactive Injury Benefit Rider: Pays benefits from the date of disability due to injury (i.e. not sickness) if disability occurs within 30 days of the injury and continues through the elimination period.

Activities of Daily Living Rider: This rider pays an additional benefit if you can’t perform two or more of the activities of daily living or cognitive impairment.

Residual Disability Rider: This rider will pay a benefit if you return to work in your occupation, and you experience an income loss of 20% or more compared to your pre-disability income. Usually, the amount of disability income you receive is a percentage of your total monthly disability benefit. For example, let’s say you return to work and experience a 40% income loss. If your monthly disability benefit is $4,000, you will receive $1,600 ($4,000 X 40%).

Social Insurance Rider: Coordinates your benefit with the Social Security Administration. This rider lowers your premium; however, you potentially have to coordinate your benefits with SSDI (social security disability insurance). In other words, the social security benefits reduce the benefit you receive from the disability insurance company. Do you want to work with the government? I generally do not recommend this rider. Contact us to learn more.

Cost-of-Living Adjustment: increases your monthly benefit by the contracted inflation rate if you have been a year on claim.

Depending on the carrier, there are additional options such as a critical illness rider, non-cancellable provision, accident rider, and more.


The Best Disability Insurance For Massage Therapists

You are probably wondering who we like to work with. I mean, we did say “the best” in our title.

Well, because of advertising guidelines and remain compliant, we can’t disclose carriers in our articles any longer.

However, keep the following in mind:

  • the “best” for you may not be for someone else. Everyone’s situation is different
  • we have helped many massage therapists obtain disability insurance, so we know which carriers are favorable for your occupation and who are not
  • depending on your state you reside in and other factors, you can have a class 5 occupation which is unheard of for massage therapists
  • we routinely get our massage therapy client’s premiums below $100 per month (more on that below)

We work with many disability insurance companies and only those that offer:

  • the own occupation definition
  • enhanced partial disability benefits
  • guaranteed insurability options
  • occupation class to a class 5, where applicable (YES!)
  • and other riders to meet your needs

We have the expertise to guide you to the right disability insurance decision. Moreover, we have even helped massage therapists, who were declined for disability insurance before, get the coverage they need.

If we can’t help you, or if there is a better option for you, we will tell you that. You see, helping you is our first priority. Your interests come first to us, not our own needs and interests.


How Much Do Massage Therapists Pay For Disability Insurance?

Everyone wants to know about costs. John, just cut to the chase. How much will all this cost? 

Well, it depends.

Remember, disability premiums are based on the following:

  • age
  • occupation
  • health conditions
  • salary/income

You can’t change your age, and you can’t change your occupation. You can’t to show costs of disability insurance for massage therapistschange your health conditions…to a point.

Sometimes, carriers will reverse exclusions, depending on the situation. Your income is your income, and you want to insure as much as you can.

There are factors outside one’s control. However, we at My Family Life Insurance aim to keep premiums at $100 or less per month for disability insurance. Nearly all the time, we accomplish that. You can easily customize a policy for $100 per month.

Stated another way, disability insurance can easily cost anywhere from $1.00 to $3.00 per day. Maybe more, as we mentioned. Do you think that is expensive? If you buy coffee every day or your lunch, you are spending your disability insurance premiums anyway. That’s right. The cost is equivalent to the cost of a cup of Starbucks coffee.

Another way to look at the cost:

Disability insurance costs 2 cents for every $1 you make. Think about that.

There is no excuse to protect your family and livelihood. As we mentioned, some coverage is better than none. Don’t let cost be the deterrent for a solid policy protecting your family. (Related: See disability insurance mistakes people make.)


What About Disability Insurance Plans Through Associations?

The American Massage Therapist Association (AMTA), and some of the other massage therapy associations, offer disability insurance to their members.  The Hartford Financial Services Group underwrites the disability insurance for the AMTA. The association offers disability insurance plans for AMTA members.

Is a disability insurance plan through an association right for you? Association disability insurance programs tend to be “plain vanilla”, which means they are simple and basic and may not meet your specific, individual needs. Many of these plans are an extension of group employer disability plans. However, because of their simplicity, they tend to be lower in premium cost as well.

In our opinion, the disability insurance program through the AMTA is no different. Is it a bad plan? No. There are benefits and drawbacks. Here they are as we see them.

Benefits include:

  • very low monthly cost
  • easy application
  • spousal coverage, even if he or she is a non-AMTA member
  • pre-existing condition coverage after a 12-month waiting period

While these are positives, the plan contains many drawbacks which we discuss next.

Disadvantages of the AMTA Disability Insurance Plan

• limited monthly benefit – the most you can receive is $4,000 per month. This amount equates to $68,000 annually. If you earn more than this, you’ll have a potential income replacement gap. For example, let’s say you earn $100,000 as a massage therapist. That means your maximum income replacement is about $5,800 per month. If you have the AMTA disability insurance for $4,000 and go on a disability claim, how will you come up with the additional $1,800 per month?

• limited coverage for sicknesses – if you have a disabling sickness or illness, ATMA pays benefits for only 12 months. Remember, most disabilities are from sicknesses rather than injuries. Additionally, many disabilities last longer than a year. That is concerning to us.

• modified own occupation definition for 2 years – they contain a modified own-occupation definition for 24 months. After that, the definition transitions to the unfavorable “any” occupation.

• no residual disability benefit – a majority of disabilities start as a partial disability.  Cancer, Multiple Sclerosis, arthritis…you name it, can start as a partial disability. Under the AMTA plan, the policy won’t pay. Why? It will only pay a partial benefit once you are totally disabled (i.e not working at all) and meet your elimination period. But, you are working and your doctor says you can work…see the problem?

A residual disability benefit pays without the total disability requirement. You generally need a certain loss of income, loss of work time, or a combination of both.

While advantages exist with the ATMA plan, there are drawbacks. We feel the drawbacks outweigh the benefits. However, you have to do what you feel is right for your situation.


Final Thoughts About Disability Insurance For Massage Therapists

We hope now you have a solid idea why massage therapists need disability insurance. Confused? Don’t feel that way. We’re here to help educate you and protect your income and future.

Don’t know where to start? Use this disability insurance needs analysis worksheet. Follow the instructions; it is rather easy to fill out (we at My Family Life Insurance try to make understanding insurance easy).

Next, feel free to reach out to us for our assistance or use the form below.

We only work for you, your family, and your best interests. We have helped many massage therapists secure the right disability insurance for their specific situation, giving them and their families peace of mind.

Learn More

Are you interested in learning more about the information in this article? Please fill out the form below, and we will email you additional information or give you a call. We always work in your best interest. By entering your information, you are providing your express consent that My Family Life Insurance may contact you via e-mails, SMS, phone calls, or prerecorded messages at any phone number(s) that you provide, even if the number is a wireless number or on any federal or state do-not-call list. Additionally, you understand that calls may be placed using automated technology, and that consent is not a requirement for purchase. Your information will NOT be sold and will remain private. However, you may opt out at any time. We respect your privacy first and foremost. By contacting us, you agree to receive text messages from our number (800) 645-9841. If you no longer wish to receive text messages, you may opt out at any time by replying "STOP".

 

Best Disability Insurance Options For Teachers | Even If You Have Some Through Work, You May Not Be Fully Covered

Updated: February 6, 2024 at 6:50 pm

In this article, I discuss the best disability insurance options for teachers.

I also go into detail about what constitutes a great policy, discuss underwriting, and discuss costs.

This is a complete guide for teachers and educating them on disability insurance.

If you are a teacher, you may not think you need disability insurance. You may already have some through your employer. But, as we will discuss, that may not be enough.

Your job is more important than people realize. Each day brings something different. The impact you make on your students can be felt for years.

However, what if you could no longer do your job?

Have you ever thought about what would happen if you became sick, ill, injured, and disabled?

Continue reading Best Disability Insurance Options For Teachers | Even If You Have Some Through Work, You May Not Be Fully Covered