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Individual Disability Insurance

disability insuranceIndividual Disability Income Protection is a must for a business owner, and highly recommended for executives. If you are a business owner, you should consider purchasing both group and individual policies, if possible. As an executive, you should be sure to obtain group coverage if it is available. Only forty three percent of large companies provide group long term disability insurance.

Your chances are even less likely to get long term disability insurance if you work for a small company. The cost of a plan provided by your employer is usually less than you would pay for an individual disability policy and often you can get coverage automatically without having to qualify medically. If your employer doesn't provide disability insurance then you may want to consider an individual disability policy.

Or, you may need a personal disability insurance policy to supplement an employer group plan. Be sure to check the group provisions carefully: How long does the group disability insurance coverage last? How much is the benefit? Does the disability insurance policy cover bonus and commission income? Will the coverage continue if you leave that employer?

A typical Individual Disability Income Protection plan starts to pay benefits after you have been off work for 1 to 6 months, and pays benefits for several years or until retirement age, depending on the policy.

Individual Disability Insurance Quote Request

Please take a moment to fill out the form below and one of our local insurance agents will contact you with a free, no-obligation quote. This information will be kept confidential and will be used for quote purposes only.

* Required fields.

General Information
Name: *
Address:
City:
State:     Zip:
Phone: *  
Best Time To Call:   AM   PM
E-mail Address: *

Current Disability Insurance Information
Carrier (Company) Name (not agency):
Policy Expiration Date:   Premium Amt: $
Years Insured:
Please give a brief description of your current disability insurance plan:

Disability Questionnaire
Annual Income: $
Occupation:
Tobacco Use:
Yes
No
Health History:
(also include counseling & chiropractic)
Why do you want disability?:
List any disability in force now:
Would like a specialist to call you?: Yes
No

Additional Comments or Questions

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Please click the "Submit Quote Request" button to send your quote request. No coverage is in effect until bound by an insurance carrier. This is a request for quotation only.



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