We discuss what critical illness insurance is, how it works, and the different types. Moreover, we will discuss potentially, better alternatives to critical illness insurance. (Yes, you heard us right.). Finally, we provide example premiums for critical illness insurance plans. By the time you finish this article, you will have a good idea if critical illness insurance is worth it and right for you.
Make no mistake about how important disability insurance is. We have written about the importance of disability insurance ad nauseam. Recall that disability insurance pays YOU a benefit in case you can’t work due to a disabling condition. That disability benefit from the insurance carrier is based on the income you have made.
Insuring your income (that’s essentially what disability insurance is) sounds easy. However, discrepancies happen. For example, sometimes, a disability insurance carrier will exclude your income from coverage. It’s true!
What if you use the wrong income amount on the application? Or, what happens if your income increases? Additionally, what if you have several sources of income from different occupations? What do you do?
As an acupuncturist, relief is your middle name. You enjoy the challenge of helping your clients manage their pain and other health conditions. Moreover, you particularly enjoy how unique your job is! No day is the same. You rely on your education and experience as well as your physical ability to get the job done. What if you could no longer do your job? Have you ever thought what would happen if you became sick, ill, injured, and disabled? How would you pay your bills if you could not work? Disability quickly affects your future plans and the lifestyle you worked so hard for. In this article, we discuss disability insurance and the best disability insurance for acupuncturists.
A short-term disability insurance plan pays a percentage of your income in case you are disabled and can’t work. The chance of a disability is real. Many industry sources state that the chance of disability is 1 in 4 working adults. Moreover, this probability is greater than unexpected death. While the need for disability insurance is always present, one must consider costs, especially with short-term disability insurance. In this article we discuss the feasibility, costs, and benefits with a focus on short-term disability insurance costs. We also touch upon short-term disability insurance and pregnancy, with discussion around related costs.
As a personal trainer, you meet with clients every day. You enjoy your job, helping your clients attain a healthy lifestyle and meet their goals. However, you absolutely need to protect yourself from a legal standpoint. Accidents happen. Clients unfortunately sue. The list goes on and on. Personal trainer insurance is incredibly important. However, there is one type of insurance that, after liability insurance, is equally important. I can guarantee you don’t have it. In this article, we discuss the most important personal trainer insurance you don’t have.