Disability
insurance by top rated companies
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Term Life America
Disability Insurance
888.587.8511 |
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As a global leader our mission at the Principal
Financial Group is to help growing businesses, individuals and
institutional clients achieve financial security and success, resulting
in excellent shareholder value.
Disability Insurance For
Individuals
Your income is your most valuable asset. Protecting your income allows
you to continue to enjoy what it pays for - your home, your cars, your
food, college and vacations - from now until the day you retire.
Individual disability income insurance is the protection you need to
help you maintain your lifestyle and protect your family's future if you
should become too sick or hurt to work.
Disability Insurance For
Businesses
If you are a business owner, the potential of a disability poses a
triple threat: -
Individual Disability Income Insurance
Keeping a roof over you and your family's heads -
How long could
the business continue to pay your personal salary?
-
Overhead Expense Insurance
Keeping your business' doors open -
How will you cover your
business expenses if you aren't there to bring in income?
MORE>
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Disability
Buy-Out Insurance
Keeping your investment intact - How will you get the funds to
purchase a disabled co-owner's interest if he or she should become
disabled?
MORE>
Can an
employee live without a paycheck? Provide group long term disability
insurance, to provide a great foundation for employees' income
protection.
However, the benefits are typically 60% of earned
income before taxes. Additional coverage may be necessary to provide
complete protection. In addition, when just three or more individuals
with a common employer* obtain disability income insurance, all may be
eligible to receive a premium discount including you!
*
South Dakota requires five.
Policy Form #s DI:
HH641/HH700/HH750; OE: HH702; DBO: HH703 Disability insurance has
limitations and exclusions. For costs and complete details of coverage,
contact your Principal Life financial representative. Approval
#564882006
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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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