Disability
Becoming disabled through an injury or sickness can mean a significant loss of income.
It is not unusual for a long-term disability to bring ruin to even the best of families. We represent a number of excellent, high quality companies that will cover police or firefiighter, roofers or contractors, physicians or educators, lawyers or civil servants. We can even provide coverage for the professional athlete or the freelance artist. As long as there is an income and occupation to protect, we can obtain the coverage.
We will help with plan design and carrier selection once we have all of the pertinent information. If you know what you and your client are looking to accomplish, that makes everyone's job easier. If not, we can put the case together for you and discuss the merits of each carrier selected. After all, unlike life insurance where you only die once, with disability, your clients are purchasing the words of the contract.
Do you have clients that suffer from a health condition? Have any of your clients been rejected for disability insurance? We can help! We represent companies that specialize in what are considered sub-standard risks. Among these are mental and nervous disorders (as long as there has not been a disability, hospitalization, or claim in recent history), some cancers, and other uninsurable health conditions. If your client has recently been declined, please contact us and we will be happy to discuss the case.
All medical and personal information that is shared or provided to us is kept in the strictest of confidence. Even when we do a verbal preliminary check with an insurer, pertinent information (like name, social security number, address, etc.) are left out of the conversation. Only when we do a written preliminary or formal application does the insurer receive all of the information.
The important coverage areas that we offer our brokers include:
- Individual Disability Income
- Business Disability Income
- Business Overhead Expense
- Key Person Disability
- Disability Buy Out
We look forward to helping your clients with this vital protection. We look forward to being of service!