At InsureIncome.com, we're here to help you develop comprehensive disability solutions for your clients. Our broad product portfolio helps protect them from the threat of disability.
Disability insurance policies can be confusing, difficult to understand, compare and assess, even for agents and brokers that specialize in disability insurance.
No two disability insurance policies, or the disability insurance companies that back the financial promises made in their policies, are alike. Consider the financial strength ratings of just the disability insurance companies listed above; for example, Berkshire Life Insurance Company of America earns a COMDEX composite score of 100, out of 100, while Standard Insurance Company scores an 86.
Next consider the differences in the definitions and language used in disability insurance policies; subtle nuances that can be easily overlooked can have profound consequences for a claimant during a period of disability. Disability insurance "contracts" (policies) choose their language deliberately; so should you.
Simply spread-sheeting proposals from several disability insurance companies may lead you to the wrong conclusion; lowest price isn't always better, better is better. Choosing the right disability insurance policy from the right disability insurance company depends upon the applicant's situation and expectation for coverage.
We offer a consultative approach to acquiring disability insurance; spreadsheets are for rookies. There is no way to reasonably compare various contractual features from several different disability insurance companies on a single page; the typical disability insurance policy defines its intent in rarely less than 50 pages, for example, Guardian's policy is 57 pages long, and Principal's policy is 68 pages.
Contact us and let us do the analysis for you. Agents, brokers and consumers are welcome.
Disability Income (DI) insurance - provides personal income protection for individuals to help keep a roof over their heads.
Key Person Replacement - provides benefits to the business to help offset the loss of a key employee due to a total disability.
Overhead Expense (OE) insurance - reimburses owners for fixed recurring business expenses during a disability to help keep their business' doors open. The HH702 policy also offers loan protection through the Business Loan Protection rider.
Disability Buy-Out (DBO) insurance - funds a buy-sell agreement to buy out a disabled business owner to help keep the business value intact and ensure its succession.
When you work with us, you benefit form our commitment to customer service and our spirit of teamwork. The expertise of our disability specialists, access to technical resources, a variety of administrative capabilities, and marketing and education materials show we have what it takes to help you succeed.
