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The information in this web site is provided as a courtesy and for educational purposes only. Please consult your legal and tax advisor for specific information pertaining to your situation.

Ronald Kramer is a licensed agent in every state of The United States including Washington DC.

Why Buy Disability Insurance?

It’s not always easy planning for worst-case scenarios. Unfortunately, there’s no escaping the fact that accidents do happen, and can often have a lasting and significant impact on your well being. Accidents or illnesses that result in disability can jeopardize your health, your well being, and your financial security.

It’s a common misconception that only people in high risk jobs or with a family to support need disability insurance. However, anyone who is dependent on their income can benefit from this valuable protection. In the event that the unthinkable happens, disability insurance can ensure that you are able to meet your financial obligations and support yourself. Whether you are single, retired, or have a growing family, disability insurance gives you the peace of mind of being protected if you are disabled.

There are many circumstances which could result in your inability to work. A car accident, work related injury or health condition are just a few examples of potential causes of disability. Even if you have savings set aside, long periods away from work can be financially devastating; after all, your bills won’t wait just because you’re not getting a paycheck. Disability insurance ensures that you will be able to make ends meet even if you’re unable to work.

If you’d like to find out more about disability insurance, have a look through the site. You can also sign up for free disability insurance tips to help you make the right choice. If you have any questions, give us a call at 800-664-5890. Whether you need help deciding what type of disability insurance to purchase, or need to determine how much coverage you need, we’ll be happy to help you make an informed decision.

Why Use a Disability Insurance Broker?

When looking for disability insurance, one common question arises: should you use a disability insurance broker? Many people believe that cutting out the “middle man” saves money, but using a broker has several key advantages. Brokers can help you find the best package for your needs in terms of overall cost and benefits. A qualified disability insurance broker can:

• Provide you with competitive quotes from reliable disability insurance providers

• Help you compare various packages to determine the best fit for your needs

• Supply in-depth information about your options

• Assist you in making the best choice for your situation

Especially where insurance concerned, the lowest dollar amount is not necessarily the best value. An inexpensive policy that provides minimal protection could end up being much costlier if you end up needing disability insurance. By choosing a plan that fits in your budget, provides you with comprehensive coverage, and suits your situation, you will quickly realize that a few extra dollars for the policy is well worth the rewards.

Disability insurance is a complex area, with many confusing terms and conditions. A disability insurance broker can explain your options in clear and straightforward terms. Having an expert in the industry help you make sense of each policy and what the implications are for you reduces the risk of unpleasant surprises when you try to make a claim.

Comparing plans can also be difficult. Disability insurance plans can vary widely from one provider to the next, making it difficult to weigh one against the other. A disability insurance broker can help you compare the pros and cons of each package so that you can choose the one that best suits you.

Getting a Disability Insurance Quote

Once you’ve found a broker, the next step is getting quotes from various providers. Again, the dollar amount is usually not the only factor that should you go into your decision. You and your broker can review each plan, narrowing the choices down to those that make the most sense. Once you have a few potential policies, you can then begin evaluating the costs associated with them. While it’s crucial to ensure that the policy is a good fit for your budget, it’s also important to ensure that the value of the policy is enough to protect you.

It’s a good idea to seek out a disability insurance quote from a variety of providers. By using a broker, you will often receive very competitive quotes, as the providers realize they are competing with other companies. Your broker can give you quotes that are pre-screened for suitability, saving you the time and effort of having to weed through incompatible plans.

If you would like to receive disability insurance quotes that are competitive and compatible with your needs, give us a call. We can help you get the best rates on disability insurance without sacrificing adequate coverage. With us doing the legwork, all you have to do is decide which policy is right for you. Give us a call at 800-664-5890 to get started. We’ll provide you with a selection of great quotes, making it easier than ever to find the right disability insurance plan.

Should You Supplement Your Group Disability Insurance?

Many people have some form of group disability insurance through their jobs. A common question is whether individuality disability insurance should be selected as well. There are a few key points to consider:

• Group Disability Insurance often does not cover you if you leave your job

• Group plans often offer limited coverage

• Benefits are frequently taxable because the employer pays the premiums

• Benefits are often reduced by other benefits such as Social Security or State disability programs

While group disability insurance is convenient, and usually free, the limited protection is often insufficient to cover serious disability for long periods of time. Purchasing an individual plan ensures that you are covered whether you leave your job, and won’t be reduced by other benefits. If you can obtain an affordable, comprehensive policy, it usually makes sense to combine both individual and group disability insurance plans.

If you are self-employed, group disability insurance may not be an easy option. Contact us today to find out how you can protect yourself and the business you’ve worked so hard to build. When you wear all the hats in your home-based business, you can’t afford to be unprotected if something should happen. Protect yourself and your company by taking out a disability insurance plan that is tailor-made for home-based businesses.

Ronald Kramer
California - 0D61199
Massachusetts - 1802949
Minnesota - IN 20498515
Florida - E093946
New York - LA-533544
New Jersey - 1015211
Texas - 1298163
Ohio - 665645
Pennsylvania - 417077