disability insurance
Why Disability Insurance?
Disability income insurance provides income for when a disability keeps one from doing their normal work load. It can be either personal, or business oriented. Many do not have disability insurance, either because they do not see the need, or they think it’s not possible in California to get adequate coverage.
I have known quite a [...]
What can I do for you?
Friends,
There are a lot of insurance agencies with websites up. All of them can and will sell you insurance. Why should you do business with me?
Let me tell you a little about myself. I kind of fell into this business. I was a project manager for a small to midsize General Contractor in Stockton CA. [...]
So … what’s important to you?
As an agent, I get an incredible amount of email regarding legislation, proposed legislation, and people trying to get legislation introduced that will affect the cost of health insurance that you and I pay for!
The only thing clear to me is that nothing is clear. It seems to me that few of these people even [...]
War Risk Coverage
Take the case of…
the International Engineering Firm. Having won a bid for a design and building project in Iraq was great news for the firm, but not such great news for the HR and Risk Management Departments.
They had to scramble to find replacement coverage for the Group Life, LTD, AD&D, Medical, and Kidnap & Ransom [...]
So how does the mortgage crisis affect your insurance rates?
Just a small article to explain how this works. My comments have to do with long term disability insurance.
Although this is not a hard and fast rule, it works something like this …
For every 1% drop in interest rates, insurance may go up by about 4%. Why is this?
Long Term Disability Insurance is to insure [...]
Are all Disability plans created equal?
In a word, No!
Here are a few examples of things you should know about different types of disability insurance. They may seem the same, on the surface, but let me explain the very real difference.
AGGREGATE vs. NON AGGREGATE PLANS
An aggregate benefit policy and a non-aggregate policy issued for like amounts with the elimination and benefit [...]
Disability Income
TAKE THE CASE OF …
The Widget Company who had two top executives traveling by private air charter to Iraq. They would be there for 48 hours before returning to the U.S. The concerns they had were that their group benefits (both life and disability) had war and terrorism exclusions. Just because it is a short-term [...]
