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

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

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

We’ve talked about the importance of disability insurance ad nauseum. Self-employed professionals, workers, and employees should have some level of disability insurance to protect themselves. However, many carriers decline disability insurance for part-time workers (self-employed professionals and employees).

If this is you, as a part-time worker, and have been declined for disability insurance, you’ve come to the right place.

We have helped many part-time workers and employees obtain disability insurance.

Continue reading How Part-Time Workers Get Approved For Disability Insurance Every Time | Disability Insurance Options For People Who Do Not Work More Than 30 Hours Per Week

There are many disability insurance carriers here in the United States. Did you know that an insurance carrier offers disability insurance for Christians?

It’s true.

While nearly all the carriers don’t require any specific religious denomination, we work with a carrier that caters to Christians.

Continue reading A Solid And Affordable Disability Insurance Option For Christians