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Individual Disability Income Insurance

 

The key to a good decision is a good process.  Let us be your guide in the acquisition of this important coverage.

Get a Review of Your Existing Coverage

Identify
Gaps

that may pose a threat to your financial security

Group or Individual

coverages can be reviewed, regardless of company

Financial
Planners

will receive a client-ready deliverable at no cost

Carriers

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Availability is subject to underwriting and state approval.

Our Process

The acquisition process for disability income insurance is unique due to contract complexities and additional underwriting demands.  Our process makes it easy because we know what to ask, what to look for, and are well organized.

Businessman on Phone

Step 1 of 5

Intake Questions

You'll be asked about...

  • Occupation and employment

  • Earnings

  • Insurance history

  • Substance use, driving record, travel plans, criminal record, bankruptcy, and hazardous activities.

  • Weight, family history, and medical issues

...which will be used to gather proposals from insurers without sharing your identity.

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