Term Life Insurance & Term Life Insurance Quotes
Disability Insurance

disability insurance you can afford, and we're not pushy!

  Disability Insurance And Disability Insurance Quotes


Judging Disability Insurance Benefits


Understanding disability insurance policy provisions will help in making a better decision on which disability insurance company is best for you.

Renewability Provisions
A renewability provision in a disability insurance policy is a key feature because it defines your rights as it pertains to keeping your disability insurance policy in force.

Definition of Total Disability
The best policy definition of total disability will state that you are unable to work at your regular occupation because of sickness or injury. More>

Residual Disability Benefits
The defining language for covered  benefits if you are able to work although your earnings are reduced as a result of disability.

Other Policy Benefits
The best policies contain additional provisions designed to protect your interests.

Optional Benefits
To enhance your coverage and your ability to design specific benefits to your specific situation many optional benefits are usually offered . More>

Examples Include:
Graded Lifetime Extension Benefit Period
Cost of Living Adjustment Rider
COLA Increases Remain Upon Recovery
Future Increase Option Rider
Automatic Increase Rider 
Social Insurance Substitute Rider (Offset)
Unemployment Premium Waiver Option Rider

Related Topics 

                ●  Types of Disability insurance coverage   
  Renewability  Provisions  
  Definition of Total Disability   
  Optional Benefits
   Residual Disability Benefits   
  Other Policy Benefits   
                ●  Occupation Definitions   
  Occupation Class Look Up 

Not all insurance products from all insurance companies are available 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, & WY. License #'s: CA: OC38446 MT: 29724 F00-0283-LC 

<Return To Previous Page>