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Term Life America
Disability Insurance
888.587.8511 |
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Disability Insurance, Companies
While not all the companies offering disability insurance are listed,
the companies below were chosen for their financial strength,
product offerings, and excellent reputation as leaders in the disability
insurance marketplace.
Our system will always scan
all of these markets to insure we are offering you the best choices for
your particular requested need.
Note:
All insurance company ratings are subject to change.
Not all company products, listed below, may be available in all
states.
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...Need Help?
click here! |
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Company |
Ratings |
Products |
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AIG |
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American International Group, Inc. (AIG), world leaders in
insurance and financial services, is the leading international
insurance organization with operations in more than 130
countries and jurisdictions. AIG companies serve commercial,
institutional and individual customers through the most
extensive worldwide property-casualty and life insurance
networks of any insurer. In the United States, AIG companies are
the largest underwriters of commercial and industrial insurance
and AIG American General is a top-ranked life insurer.
More>
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A.M.
Best |
A++ |
Standard
& Poor's |
AAA | |
Moody's |
Aa1 | |
Fitch |
AA+ Very |
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AIG
Employer-sponsored short-term disability (STD) insurance
provides income if able to work for a short period of time due
to sickness or injury.
Voluntary long-term disability (LTD) insurance protection in
also available on a group basis.
More>
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Assurity |
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Assurity Life existed as a subsidiary of Woodmen Accident and
Life Company (founded in 1890) from 1997 until 2003, when the
two companies merged to become Assurity Life Insurance Company.
In 2001, Assurity and Woodmen united with Lincoln Direct Life
Insurance Company, which became the direct marketing division of
Assurity, now known as Assurity Direct, in 2005
More>
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A.M.
Best |
A- |
Standard
& Poor's |
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Moody's | | |
Fitch | |
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Assurity
Personal Disability Income
Business Overhead Expense
Graded Benefit Disability Income
More>
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Berkshire |
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Berkshire
More>
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Boston Mutual |
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Boston Mutual Life Insurance Company was founded in 1891 and has
a proud history of solid financial performance.
More>
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A.M.
Best |
A- t |
Standard
& Poor's |
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Moody's | | |
Fitch |
BBBq |
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Boston Mutual
Disability Income Insurance for
individuals (Policy Series D.I.-A&S-6/93 & D.I.-ACC-6/93)
Short Term Accident & Sickness or Accident Only coverage.
Voluntary Long Term Care
More>
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Guardian |
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Guardian
More>
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The Hartford |
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Founded in 1810, The Hartford Financial Services Group,
Inc(NYSE: HIG) is one of the largest investment and
insurance companies based in the United States, with offices
in Japan, Brazil, Ireland, England, and the United States.
With nearly 30,000 employees and $2.1 billion in income in
2004, The Hartford was ranked 88th on the 2005 Fortune 100
list.
More>
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A.M.
Best |
A+ |
Standard
& Poor's |
AA- | |
Moody's |
Aa3 | |
Fitch |
AA |
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The Hartford
Group Disability features the Ability Management® portfolio of
products
and services.
They include short-term disability and long-term disability
insurance, and the ability to integrate these plans, along with
our workers' comp.
More> |
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MassMutual |
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The MassMutual Financial Group is a global, growth-oriented
diversified financial services organization. The MassMutual
Financial Group is a marketing designation for Massachusetts
Mutual Life Insurance Company (MassMutual) and its subsidiaries.
More>
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A.M.
Best |
A++ |
Standard
& Poor's |
AAA | |
Moody's |
Aa1 | |
Fitch |
AAA |
Ratings as of 09/01/05. Ratings are subject to change.
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MassMutual
MassMutual's FlexElectsm Individual
A disability
income insurance solution that's affordable and flexible, Riders
and options providing additional coverage
Radius®top-of-the-line
product that offers excellent benefits that can be flexible in
design when benefits are more important than cost.-
White Collar best with income of above 60K
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Also good with business owners
More>
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MetLife |
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MetLife, Inc., through its subsidiaries and affiliates, is a
leading provider of insurance and other financial services to
individual and institutional customers.
The
MetLife companies serve individuals in approximately 13 million
households in the U.S. and provide benefits to 37 million
employees and family members through their plan sponsors.
With over 40 years of group disability experience, MetLife
currently covers over
3.5 million employees at over 10,000
companies nationwide.
More>
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A.M.
Best |
A+ |
Standard
& Poor's |
AA | |
Moody's |
Aa3 | |
Fitch |
AA |
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MetLife
MetLife Is Big On Underwriting Physicians And Dentists!
MetLife Is A Top Leader In The Group Disability Marketplace!-
When mental nervous is a concern they can offer to the end
of benefit period
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Similar to Guardian can offer lifetime benefit or Own
Occupation with a 4A rate class
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Executives—White collar
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DENTISTS
More>
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Mutual Of Omaha |
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Since Mutual of Omaha's founding in 1909, they have provided 95
years of outstanding service to policyholders.
Mutual of
Omaha Insurance Company and United of Omaha Life Insurance
Company have earned strong ratings.
Mutual of Omaha's
Wild Kingdom>
More>
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A.M.
Best |
A |
Standard
& Poor's |
Aa3 | |
Moody's |
AA- | |
Fitch | |
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Mutual Of Omaha
Available disability products
Short-Term Disability Insurance
Long-Term Disability Insurance
Voluntary Short-Term Disability
Insurance
Voluntary Long-Term Disability
Insurance
More> |
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Principal |
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Headquartered in Des Moines, Iowa, we serve more than 13 million
customers worldwide.
Company
Profile
Here>
More>
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A.M.
Best |
A+ |
Standard
& Poor's |
AA | |
Moody's |
Aa2 | |
Fitch |
AA |
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Principal
Individual Disability Income
Insurance
Overhead Expense Insurance
Disability
Buy-Out Insurance-
Excellent service and underwriting
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Very good for buy sell and business overhead arrangements.
More>
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Union Central |
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More>
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A.M.
Best |
A- |
Standard
& Poor's |
A- | |
Moody's |
NA | |
Fitch |
A |
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Union Central
Innovative choices in designing DI Contracts. Union
Central Life has all definitions of disability that the major
carriers offer, including true Own Occupation coverage to age 65
available dependent on the client's occupation.
Strong Medical Market offerings
More>
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Related Topics
Top Rated Disability
Insurance Company Products
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Companies And Product Benefits
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aig
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assurity
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berkshire
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BIRKSHIRE
BROCHURE
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Sample Policy
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boston mutual
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guardian
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hartford
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massmutual
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metlife
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mutual of omaha
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principal
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Company Profile
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union central
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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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