Disability Insurance

For income protection and business continuation

Disability Underwriters is an insurance agency specialized in disability insurance for income protection and business continuation.

Facts that May Surprise You

The odds of disability are about twice that of death.
Prior to age 65, for periods of disability lasting 90+ days
National Association of Insurance Commissioners (NAIC) Individual Disability Table A (1985); Statistical Abstract of the United States
DEATH
DISABILITY

Why Disability Underwriters?

Subject Expertise

to identify what's important.  Knowing what to look for is the key to a good decision.

Group and Individual

approaches to widen the landscape of potential solutions. 

Multiple Carriers

to document that all options in the marketplace have been exhausted.

Availability is subject to underwriting and state approval.

Group Long Term Disability (LTD)

Life & Disability

Including STD, LTD, Life, Accident, & Critical Illness

Provide basic paycheck protection at an affordable cost.

For groups with 2 or more members.

 
Excited Family Explore New Home On Movin

Do your own thing with a policy you control, with customizable guarantees and features.

For individuals who are healthy and financially stable.

 
100% Income Replacement Disability Insurance

Add value for employees with discounts and relaxed underwriting while keeping business overhead lean.

For groups of 3 or more - ongoing participation not required

Retirement Contribution Disability Insurance

Replace 401(k) or other retirement contributions so that you keep saving during a period of disability.

For groups and individuals contributing to a retirement plan.

Loss of Income Disability Insurance

Insure the income itself against reduced capacity to perform.  Because you'll probably work - the question is what you'll earn.

For groups and individuals with incomes over $100,000.

Key Man Disability Insurance

Keep the business afloat, cover the overhead, fund partner compensation or equity buy-out.

For closely held businesses.

Bonus Stock Equity Incentive Compensation Disability Insurance

Cover bonuses, equity grants, and other compensation not covered by group LTD.

For groups and individuals with incentive compensation.

Healthcare And Medicine.jpg

Get full benefits if unable to work in a given specialty, even if there are earnings from a different occupation.

For groups and freedom-loving individuals.

Key Person Disability Insurance  Businss Overhead Buyout

Restore parity of income replacement ratios for highly compensated employees capped out by LTD's maximum benefit.

For groups of any size.

Multi Life Individual Disability Insurance

Get up to 100% income replacement by supplementing group coverage with Individual Disability Income (IDI) insurance.

For groups and individuals.

disability insurance for older workers

Compensate for LTD's age-based reductions in Benefit Periods - most relevant to those over age 65.

For groups with at least ten (10) members.

Extended Leave Disability to care for Family

For income protection when extended leave is taken to care for a seriously ill family member.

For groups and individuals.

Disability Underwriters is a Seattle-based independent insurance agency specializing in disability insurance, including individual disability insurance, group disability insurance, key person disability insurance, and executive disability insurance.  

Disability Underwriters is a trade name for Rip Curtis, a licensed insurance agent in all fifty (50) states and the District of Columbia.  Rip has twenty (21) years of experience in disability insurance and is a Certified Employee Benefit Specialist (CEBS).

View Rip's Bio

 

Testimonials...

"I really like the independence that Rip brings. He was open to figuring out what made the most sense based on my goals and family situation. He presented a ton of options and left the door open to see what else I might need."

Jason U.

Engineering General Manager

An Individual Client

Redmond, WA

 
 

Disability Underwriters

1420 5th Avenue   Suite 2200

Seattle, WA     98101

(206) 673 2219