Many of our competitors will show inexpensive quotes by leaving out riders, showing inferior products even when they know companies offer better products, and quoting non-guaranteed rates. We will only show you our best products, on a guaranteed level premium, with all the options laid out for you.

To answer every question we receive via e-mail and telephone in a prompt, and professional manner.

There is nothing more frustrating than spending the time to send in an e-mail question, and having to wait days to receive an answer. Our goal is to respond to every e-mail and voice message in a timely manner. You won't get a simply canned reply, you will get a detailed reply to your question from one of our disability insurance experts.

To process your application within 35 days.

Disability insurance underwriting can be a long process, and if nobody is paying close attention to your application, and actively following up on outstanding requirements, there is a good chance the underwriting process could go as long as 90 days. We have the staff and experience to submit your application, and have it underwritten in under 35 days.

To issue your policy exactly as you applied for it.

Again, it is really easy for any company to quote you a cheap rate on disability insurance. Your agents ability to get the insurance company to issue the coverage as it was quoted is the important part. We believe one of the keys to our success is that we are able to issue coverage as quoted most of the time.

To do business according to the golden rule.

Each and every person in our company owns the disability insurance coverage we sell. We own it because we firmly believe in it. We will never recommend something to our consumers that we don't own ourselves.