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Term Life America
Disability Insurance
888.587.8511 |
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In a world were experience means everything, we offer 29 years
of faithful service to our life, health and disability insurance
clientele!
Our Mission
Our mission is to provide insurance products that matter most to insurance
consumers; their families and businesses, and we assist in making informed
decisions.
Our goal is to find the insurance company that’s
right for you. You can compare multiple companies’ rates and buy the
policy that’s right for you.
Our
Companies
We offer only top
rated insurance companies to deliver to our clients the lowest possible
premium cost to meet their insurance financial goals and objectives.
As part of our commitment to helping individuals and business make better
sense of their insurance options, we offer unequaled variety of choice.
Click Here> to see the
disability insurance companies we offer.
Our Service
We shine when it
comes to personalized service and support and are proving to make the
experience of buying, and owning insurance easier than anyone else on a
daily basis. Protecting our
clients privacy is another one of our top priorities. We do not
collect personal information and we do not sell personal
information to third parties. We use secure socket layer
encryption (depending on the user's browser) and also maintain
the highest standards to secure our technology. Each new
employee is tested for skill set competency with a thorough
background check, including reference checks and substance use
testing.
Click Here>
to go to our legal and privacy page for greater details on how
we protect information.
Contact Us
with your questions or concerns.
State License Numbers
for
Lewis David Fink d/b/a DisabilityInsurance.TermLifeAmerica.com
Disability Insurance products are offered in all states, except:
AK, HI, WA, WY |
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Because paying for life's expenses are not always as certain as your
responsibilities...
These top rated
Disability Insurance Companies can all but alleviate the problem!
The Purpose of Disability Insurance
Disability insurance was created to insure you for
a disabling sickness or injury, these plans will provide an individual
the ability to continue their standard of living. They are designed to
replace up to 60% of taxable income.
As you can observe above, there are a significant number of carriers
available to search out the best occupational definitions, and
occupational rating classes for your particular profession.
Q. If you are permanently disabled and cannot work, what will
Social Security
cover?
A. Social Security has a cap on the amount
of benefits you'll receive. In most cases, there will be a 5-month
waiting period before eligibility, plus another 7 months before you
even receive a benefit check. In addition, 56% of all disability
claims are rejected by Social Security.
More>
Q. If you collect disability income benefits, do you have to pay
Income Tax
on them?
A. Provided
you pay the premiums out of your own pocket on an after-tax basis,
the benefits are not taxable. However, if premiums are deducted from
your paycheck on a pre-tax basis such as in a Section 125 cafeteria
plan, benefits will be taxable. If your employer pays part of the
premiums, only the portion of the benefit that is attributable to
your own contributions will be tax-free.
More> |
Lewis Fink is licensed as
insurance agents offering these benefits in the following
states:
Alabama - AL,
Arkansas - AR,
California - CA,
Colorado - CO,
Connecticut - CT,
Delaware - DE,
District of Columbia - DC,
Florida - FL,
Georgia - GA,
Idaho - ID,
Illinois - IL,
Indiana - IN,
Iowa - IA,
Kansas - KS,
Kentucky - KY,
Louisiana - LA,
Maine - ME,
Maryland - MD,
Massachusetts - MA,
Michigan - MI,
Mississippi - MS,
Missouri - MO,
Montana - MT,
Nebraska - NE,
New Mexico - NM,
New Jersey - NJ,
New York - NY,
North Carolina - NC,
North Dakota - ND,
Ohio - OH,
Oklahoma - OK,
Pennsylvania - PA,
Rhode Island - RI,
South Carolina - SC,
South Dakota - SD,
Tennessee - TN,
Texas - TX,
Utah - UT,
Vermont - VT,
Virginia - VA,
and
Wisconsin - WI.
Note: Not all companies may offer products in all states.
Note: We do not
provide legal or tax advice. The general information presented
on various tax aspects contained in this site are not intended
to be relied upon as tax advice. Individuals should seek the
advice of a qualified tax professional regarding the taxation of
these benefits as they apply to your particular situation.
These benefits are
offered in all states except: AK, HI, WA,
& WY. License #'s: CA: OC38446 MT: 29724 F00-0283-LC
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Term Life America.com
Disability Insurance
888.587.8511
9:00AM - 5:00PM
Mon. > Fri. E.T.
National Marketing
PO Box 30248
Charleston, SC 29417
Systems Administration
607 Elmira Road, Suite 149
Vacaville, CA 95687
disabilityinsurance.termlifeamerica.com
Copyright © 2005
All rights reserved
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