Insurance Assistance


Finding The Right Insurance Plan

Whether it’s life insurance, disability income or long-term-care insurance, we can provide you with feasible options that will provide security for your family.

Life Insurance

Life insurance is something to add to your financial plan if you’re interested in providing a measure of security for those dear to you. Life insurance is the exchange of a relatively small payment each month a premium — for a very large amount of money if you die — a death benefit. This is the main value offered by all sorts of life insurance, and it ensures everyone you care about has financial resources

Term life insurance

Term Life Insurance is a type of insurance that provides coverage for a set period, typically from 10 – 30 years. If you die within the term, the insurance company will pay out the death benefit to your beneficiaries. Term Life insurance is the simplest and most cost effective form of Life insurance.

Whole life insurance

Whole Life Insurance is a permanent life insurance that will not expire if premiums are being paid. Unlike Term Life Insurance, Whole Life offers a savings component that will build cash value over the life of the policy, as well as offering annual dividend payments which can act similarly to an investment account but is uncorrelated to the returns of the market. You can have fully paid-up Whole Life policy which will require no additional premiums. Examples are, 10 pay, 20 pay, and paid up at age 65.

Universal life insurance

Universal life (UL) insurance is a form of permanent life insurance with an investment savings element based on market interest rates. This type of insurance provides more flexibility than other types of insurance policies where the policy holder can adjust their premiums and death benefits.

Variable life insurance
Simplified issue life insurance

Simplified issue means an easier form of underwriting when applying for Life Insurance. Applicants must answer some questions about their health and lifestyle but do not have to take a medical exam. This policy may work well with people who aren’t in excellent health and wouldn’t qualify for the lowest rate with traditional underwriting

Joint life insurance

Life insurance policy for two people – typically spouses or domestic partners – but it only pays a benefit when one of them dies. Joint coverage often tends to be less expensive and can be a term or permanent policy.

Disability Insurance

When individuals think about disability insurance the first thing that comes to mind is a car accident. In fact, about 91% of disabilities are caused by illness and 9% is caused by an accident of some sort. The term disability insurance refers to a policy that provides income to individuals who can no longer work because of a disability. With the average long-term disability claim just under 3 years a disability policy will help protect you from draining your savings or retirement assets.

Long-Term disability insurance

Long term disability insurance replaces part of your income each month if a serious injury or illness prevents you from working. It’s the best way to stay on track with your finances while you focus on your recovery. Long term disability insurance is the most cost-effective way for healthy, employed individuals who want to secure their financial future. The two most common ways you can be covered is, either individually owning a disability policy or being a part of a group disability plan at your workplace.

Total disability insurance types

This phrase is used in the insurance industry and law to determine that a person is unable to work in their own or any occupation due to a sickness or injury. Most insurance companies will pay the full benefit to an individual when they are no longer able to work again.

Any occupation

An any-occupation policy is a type of disability insurance that provides coverage for when the insured is unable to work in a job suitable for them based on education, experience, and age. If you’re still able to work even in a lower paying job, an any-occupation policy will not pay benefits. This is different from own occupation coverage.

Own Occupation

An own-occupation insurance is a benefit that’s added to your disability insurance policy. This benefit will cover individuals who become disabled and are unable to perform most of the occupational duties that they have been trained to perform. The own-occupation benefit is highly recommended for all MD’s/DO’s, attorney’s and dentists. As an example, if you’re surgeon who can no longer perform surgery you can still collect your disability payment and work outside of being a surgeon collecting an income. This makes it ok, to collect both incomes by having the own-occupation benefit on your disability policy.

Short-Term disability insurance

This insurance is typically provided through work and is intended to cover you for a short period of time following an illness or injury that keeps you out of work. While policies vary, short term disability insurance typically covers you for a term between 3-6 months. This type of insurance is typically sought out by individuals going on maternity leave as some policies will pay a benefit while you are out of work.

Social Security disability insurance

Social Security Disability Insurance is a payroll tax-funded federal insurance program of the United States government. It provides monthly benefits to people who have a medically determinable disability that restricts their ability to be employed. The benefit is calculated based on yearly wages or self-employment income.

Private or supplemental disability insurance

Typically offered by an employer, Supplemental disability insurance is a standalone policy you can buy to fill gaps in your existing disability coverage. You can use it to supplement an individual disability insurance, Social Security Disability Insurance (SSDI), or group disability insurance through your employer.

Student Loan Disability Insurance

Student Loan Disability Insurance is a type of benefit that’s added to a policy meant to specifically cover some or all your student loan payments if you can’t work due to illness or injury.

Business Overhead Expense Disability

Business Overhead Expense Disability pays a benefit to your business should you — the owner — become disabled and can’t work. The business can use the money to meet its day-to-day expenses such as paying salaries, utility bills, debts, rent or mortgage.

Workers Compensation

It covers any occupational sickness or accident arising during employment that results in incurring medical expenses and loss of wages regardless of fault.

Long Term Care Insurance

Long term care insurance provides nursing-home care, home health care, and personal or adult day care in the event of a chronic medical condition or disabling condition that needs supervision. Long term care insurance is crucial since the cost of care is expensive and costs are only increasing. This type of insurance is worth it because it will allow you to live in your home longer.

What is disability insurance?

Disability insurance means being able to meet your financial obligations in case you’re unable to work due to a qualifying disability. The three types of disability insurance are Long Term Disability (LTD), Short Term Disability (STDI) and Social Security Disability (SSDI).

What does disability insurance cover?

Disability insurance is designed to replace a percentage of your income if you can no longer work because of an accident, injury, illness, and/or disability. This will help you cover any household expenses, paying bills and providing for your family.

How much is disability insurance?

Disability insurance is designed to replace a percentage of your income if you can no longer work because of an accident, injury, illness, and/or disability. This will help you cover any household expenses, paying bills and providing for your family.

How much disability insurance do I need?

The amount of disability insurance needed should be enough to cover your monthly expenses and any outstanding debts. The maximum disability amount issued by an insurance company is roughly 60% of your income. The average cost of disability insurance is typically between 1 percent and 3 percent of your annual income.

What does life insurance cover?

Life insurance pays a death benefit to the insured’s beneficiaries. Typically, an individual will cover his or her own life to protect their family interests in case they were to pass.

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