Disability insurance quotes are not
the easiest thing in the world to read and understand. We try our
best to provide you with as much information in a format that is
easy to navigate, research, and understand at your own pace. We
provide a FAQ
section, specimen policies for download, and as much disability
insurance information as possible at the click of a button. Take
your time to understand what you are purchasing, and don't
make the mistake of simply shopping rates!
Long Term Disability Insurance
Our goal is to provide you with the easiest way to obtain long term
disability insurance quotes online. Our process runs as follows:
If
you decide to buy from us, complete the application
We
take care of the rest.
What to Expect from Us?
We do not stray from our process, quite simply because it works.
You
will receive only four e-mails from us spread out over several
weeks. Each e-mail will be an automatic reminder, with a link
to your proposal.
Your
page will have a personal quote, application, as well as links
for just about any question you may have.
We
have a staff of seven people available to receive your calls
from 9-6pm EST.
Honesty,
Integrity, and Appreciation.
Why us?
Most of our online competitors are actually
lead generating services for insurance agents. We are actually disability
insurance agents who handle your case from beginning to end. Your
information is not being sold to any insurance agents, or other
companies. We are here to sell you disability insurance, and that
is it. Long term disability insurance is our product of choice,
and by specializing in this one area, we have become quite good
at what we do. We aim to do one thing, and do it better than anybody
else.
Disability Insurance Company Products
Our agents are licensed to sell disability insurance with many companies,
however the majority of our business goes to Berkshire Life Insurance
Company of America. Currently we believe the Provider Plus 1100/0100
disability insurance product to be the best available to professionals.
All of our carriers offer non-cancellable and guaranteed renewable
disability insurance products with an excellent definition of total
disability.
Individual Disability Insurance Product
Info
We believe in own-occupation disability insurance
coverage. It provides the most comprehensive long term disability
insurance coverage available. Do not be fooled by many insurance companies
who try to sell you "modified" own-occupation contracts.
Simply compare the definition of total disability which is shown in
a quote, and you will see the difference. If a sickness or injury
prevents you from performing the material and substantial duties of
your occupation, real own-occ will pay you a total monthly benefit,
even if you are able to work in some other capacity.
We firmly believe in non-cancellable
and guaranteed renewable disability insurance, we will
not sell you anything else. This means that your premiums will remain
level until you reach the age of 65. You will pay the same premium
at age 40, that you will at age 64. Premiums are based on age, sex,
occupation, income level, and health history. There is every incentive
in the world to buy long term disability insurance coverage at your
current age, as rates go up next year. Always make sure your disability
insurance coverage is Non-Can. You don't want to receive a huge
rate increase at age 55, at a point in time where a new disability
insurance policy is more difficult to obtain.
Disability Insurance
Resources
We spend 24 hours a day, 7 days a week
in the disability insurance business. Here is a list of other web sites
you may find useful for your disability insurance research.
Guardian
Disability Insurance Brokerage's homepage. This is the parent company
for DisabilityIncome.com which primarily represents Berkshire Life
Insurance Company of America.
An online message
board for all aspects of disability insurance. There are categories
for consumer advice, company questions, news, information, and more.
DIquotes.com
is a web site geared for the medical professional only. DI policies
have specific rules for physicians, this site addresses their specific
needs.
