There are some important facts that individuals and families should know about Disability Insurance. The fact is your health is your wealth and your income is your biggest asset! Have you ever considered what you would do if you ever became disabled and unable to work to provide for yourself or your family? Do you know how you would pay your mortgage and all of your other bills?
One in 4 people with a disability policy will need it at some point in their lifetime.
There is a higher chance for someone in your family to have a disability of at least 3-4 months or longer than someone having a premature death. Ask yourself if you think it is a good business decision to insure this risk like you do your auto, home and life.
Contact us for a free quote. The longer you wait, the higher the rates!
Individual Disability Insurance
In personal disability plans, premiums are paid by the insured and benefits are usually tax-free. If you are like many people who have coverage through work, you may still need a supplemental disability policy. This is not taxed and it will supplement the gaps in your work policy. Plus it is portable!
Group Disability Insurance
Are you a business owner interested in finding out more about plans for your employees? This can be paid by your employee or by your business. Benefits are subject to taxes.
Overhead Expense Disability Insurance
This type of insurance allows key business owners to have disability on themselves in case an owner has an accident. This type of policy will typically pay for overhead and office expenses during the time one of the key employee is under claim.
I'm Jeanine Devine. I help my clients by providing them with good alternative strategies for retirement and competitive coverage for all of their insurance needs. I personally have 17 years in the business and my staff has over 30 years combined. Please contact us to discuss how we might best assist you.
