Disability Insurance

One of the most common questions surrounding disability insurance is, “If I have a group disability insurance plan why would I need to buy my own disability insurance outside of my employer sponsored plan?”

Well, I'm not suggesting that you always should but I am suggesting it's something you need to weigh objectively because it's just too important not to do the investigation.

You really have nothing to lose by doing the comparisons.  After doing the research and comparisons, you'll decide one of three things:

Keep Reading

I remember when I was studying for my insurance license and I came across the disability insurance section.  I was sitting in my sales manager's office going through items and I commented that own-occupation was obviously far superior to any-occupation.  Little did I know my little intuitive observation lay at the core of disability insurance comparison.  It may seem unimaginable, but the definition a disability insurance policy uses can vary a lot among carriers, and this definition certainly separates the good from the bad.

Keep Reading

It's May, which means it's DIAM, or Disability Insurance Awareness Month, the one time of year that a very crucial financial insurance tool that goes grossly overlooked by many finally gets a little bit of play.  We've not spent much time talking about disability insurance here on the Insurance Pro Blog, and that's due in large part to time constraints.  This month however, we've made a little resolution to highlight this product.

Keep Reading