The front page of the quote you receive from us is our recommended policy based upon our experience. It may not be the policy for you, that is OK with us. Simply e-mail us, or give us a call to run as many alternate quotes as you like. This is what we do for a living, we are more than happy to run numbers until the cows come home.

Comparing Quotes
It is vital that you understand what you are buying. You are purchasing an insurance contract that you want to pay you as much money as possible, at the time when you will need it the most.

Types of Disability Insurance Claims
There are only a few ways a long term disability insurance policy pays a claim. Most disabilities will fall under one of the following types of claims. Therefore if you understand how a policy pays a claim in each of the following situations, there won't be any surprises when it comes time to file a claim.

Learning The Ropes
Every quote from every insurance company should have a complete description of benefits. Never buy a disability insurance policy if you simply get a two page quote with numbers, you have no idea what you are buying in this situation. Our proposals are 12 pages long, and have detailed descriptions on every aspect of the policy in easy to read format. Our proposals also have a grid on pages 2 and 3 to show you alternative benefit configurations for your premium. While the front page may quote a three month elimination period, with benefits to age 65, you can also see the premiums for a two year elimination period, and 5 year benefit period. Our proposals give you all the choices in the world in an easy to understand fashion.

What Makes Up a Policy
The following links point to information regarding the major aspects of a disability insurance policy.

Remember that you are purchasing an insurance policy that you hope you will never have to use. However the odds are very strong that before you reach retirement, you will suffer a disability lasting at least 90 days or more. Roughly 33% of people will have a disability before age 65*. If you are disabled before age 65, the odds state you will be disabled for 3.2 years*. With these odds in mind, doesn't it make sense to purchase the most comprehensive disability insurance coverage you can obtain?

*1985 CDTA

Disability Income Insurance

Like any business, we have competitors selling disability insurance on the internet with us. Some of them are quite good at what they do as well, however the majority of them are simply lead generation services for insurance agents in your area. If you see a note on their web site saying:

"We are not licensed insurance agents"

This means they are simply gathering your data, and sending it to some agent in your back yard as a lead. Odds are the agent who gets it, does not sell disability insurance for a living like we do, and can't perform at the level that we can for you during underwriting.