We all want to buy the right insurance for our needs, and this insurance includes disability insurance.

However, technology has changed how we purchase. We open our iPad or phone, go online, and purchase goods.

It’s easy to just go online and buy things, right?

The same is true for insurance.

You can go online and purchase auto and home insurance with no issues.

The same nowadays for life insurance for the most part. Additionally, dental and health insurance carriers allow online enrollment and purchase.

You can buy insurance while wearing your pajamas now!

Currently, there are a couple of carriers that allow the online purchase of disability insurance.

That’s right. You just click on their link, make some selections, and apply. You don’t need to meet with an agent!

While that seems like the easy thing to do, you may end up with the wrong plan or product.

Continue reading Here’s The Best Way To Buy The Right Disability Insurance | 5 Steps To Selecting The Right Disability Insurance For You

So, you meet with an agent about disability insurance, and he or she starts going over all of the disability insurance riders.

The agent says you need all of these riders.

You want to protect yourself in case anything happens, right, the agent asks?

The quote is no less than sticker shock (as we will show), but you don’t know much about disability insurance. So, you take the agent’s recommendation and apply.

You are approved, which is great! However, every time you see the premium draft out of your checking account, you wonder…

…Do I really need all of those riders?

Continue reading 4 Disability Insurance Riders That Are A Waste Of Money | 3 That You Probably Need & Several Maybe’s

Commercial, corporate, or professional pilots may wonder about disability insurance.

But, like anything, life happens, and this insurance takes a back seat.

If you are a pilot, I think you’ll agree with me that your job is stressful, but you enjoy it.

However, your job and the lifestyle you worked hard for can vanish in a flash.

Have you ever thought about what could happen if you could no longer do your job?

Continue reading How Pilots Protect Their Wealth With Disability Insurance | Through A Unique Policy Called Loss-Of-License Insurance

If you are a small business owner, say a hairstylist, and suddenly disabled, have you ever thought about how you would pay your studio rent? Thankfully, this is where business overhead expense insurance helps.

Oh, John, you say. I already have this insurance.

No. You probably don’t. You probably have business interruption insurance. That is through your commercial liability insurance. That is completely different.

What I am talking about is a policy that pays your business expenses if you can’t work due to an illness or injury. How will you pay your business rent, payroll, county taxes, etc. if you can’t work?

Continue reading 3 Advantages Of Business Overhead Expense Insurance | Here’s Why Business Owners Should Consider This Unique Insurance

If you are a professional and a member of an association, you’ve probably received information in the mail about your association’s disability insurance.

You don’t have any yet, and you are aware of how important disability insurance is.

So, you think, why not?

You download the application, fill it out, submit it, and pay the first month’s premium.

You are happy, until you make a claim. Then, you don’t receive the benefit you expect.

In this article, we discuss why association disability insurance plans are potentially a waste of money.

Continue reading 5 Reasons Why Association Disability Insurance Plans Can Be A Waste Of Money | Usually; We Give You The Inside Information So You Can Make An Informed Decision