3 Advantages Of Key Person Disability Insurance | We Discuss This Important Insurance And Why Your Business Needs It!

Updated: May 10, 2023 at 10:14 pm

In this guide, we discuss key person disability insurance and why, as a business owner, you should purchase such important, valuable coverage.

John, you say, I already have this. My other agent sold me key person life insurance.

Nope. This is different and arguably more important. Have you ever thought about what would happen if that key employee didn’t pass away, but instead, faced a long-term illness or injury?

Continue reading 3 Advantages Of Key Person Disability Insurance | We Discuss This Important Insurance And Why Your Business Needs It!

Get Ahead of the Curve: 2023 Short-Term Disability Insurance Costs Explained

Updated: April 20, 2023 at 9:17 pm

In this article, we are going to discuss short-term disability insurance costs for 2023.

Disability insurance is an extremely important insurance that most families need. It is the only insurance that will pay a benefit to you if you are sick or hurt and can’t do your job. No other type of insurance does that.

Inflation is still high, money is still tight, and economists predict doom and gloom with a recession. I receive many phone calls from professionals about the costs of short-term disability insurance.

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How To Get Disability Insurance With Pre-Existing Conditions The Right Way | We Set Your Expectations Correctly In This Guide

Updated: February 18, 2023 at 8:15 am

You purchase disability insurance to protect your income and wealth in case you are sick or hurt and can’t work. However, did you know that most disability insurance plans do not cover pre-existing conditions?

No, John, I did not know that!

Yes, that is right.

Actually, I would guess that all private, individual disability insurance plans exclude any pre-existing conditions or lifestyle situations from coverage.

However, as we will discuss, having a pre-existing condition doesn’t mean you should avoid or not accept this very important insurance.

If you have pre-existing conditions, and most people do (including me), you can still obtain disability insurance.

Continue reading How To Get Disability Insurance With Pre-Existing Conditions The Right Way | We Set Your Expectations Correctly In This Guide

How Photographers Protect Their Wealth With Disability Insurance | We Discuss How To Purchase This Important Insurance, Plan Options, Underwriting, And Costs

Updated: February 14, 2023 at 7:41 am

As a photographer, you have an eye for capturing reality. No two photo shoots are the same! But, if you are like most photographers, you probably don’t think about protecting your wealth and income with disability insurance. Or, even if you need it at all.

What if you could no longer do your job if you are sick or hurt? Have you ever thought about that?

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

How would you pay your bills if you could not work?

Continue reading How Photographers Protect Their Wealth With Disability Insurance | We Discuss How To Purchase This Important Insurance, Plan Options, Underwriting, And Costs

Why The Disability Insurance Benefit Period Is Important To Understand | We Discuss In Detail This Often Overlooked Component Of Disability Insurance

Updated: December 21, 2022 at 9:46 pm

Many professionals I speak with confuse themselves about the disability insurance benefit period.

They read incorrect information elsewhere about the benefit period. Or, they speak with another agent who tells them the wrong information.

Continue reading Why The Disability Insurance Benefit Period Is Important To Understand | We Discuss In Detail This Often Overlooked Component Of Disability Insurance