Disability insurance by top rated
companies
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Term Life America
Disability Insurance
888.587.8511 |
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Disability Insurers Rating Definitions
Check the financial strength and claims paying
ability from A.M. Best, Standard & Poor's, Moody's, and Fitch rating
companies.
|
A.M. Best |
Standard & Poor's |
Moody's |
Fitch |
Rank |
Financial Strength |
Financial Strength |
Financial Strength |
Claims Paying Ability |
1 |
A++
Secure / Superior |
AAA
Extremely Strong |
Aaa
Exceptional |
AAA
Secure / Highest |
2 |
A+
Secure / Superior |
AA+
Very Strong |
Aa1
Excellent |
AA+
Secure / Very High |
3 |
A
Secure / Excellent |
AA
Very Strong |
Aa2
Excellent |
AA
Secure / Very High |
4 |
A-
Secure / Excellent |
AA-
Very Strong |
Aa3
Excellent |
AA-
Secure / Very High |
5 |
B++
Secure / Very Good |
A+
Strong |
A1
Good |
A+
Secure / High |
6 |
B+
Secure / Good |
A
Strong |
A2
Good |
A
Secure / High |
7 |
B
Vulnerable / Fair |
A-
Strong |
A3
Good |
A-
Secure / High |
8 |
B-
Vulnerable / Fair |
BBB+
Good |
Baa1
Adequate |
BBB+
Secure / Adequate |
9 |
C++
Vulnerable / Marginal |
BBB
Good |
Baa2
Adequate |
BBB
Secure / Adequate |
10 |
C+
Vulnerable / Marginal |
BBB-
Good |
Baa3
Adequate |
BBB-
Secure / Adequate |
11 |
C
Vulnerable / Weak |
BB+
Marginal |
Ba1
Questionable |
BB+
Uncertain |
12 |
C-
Vulnerable / Weak |
BB
Marginal |
Ba2
Questionable |
BB
Uncertain |
13 |
D
Vulnerable / Poor |
BB-
Marginal |
Ba3
Questionable |
BB-
Uncertain |
14 |
E
Vulnerable / Under State Supervision |
B+
Weak |
B1
Poor |
B+
Possessing Risk |
15 |
F
Vulnerable / In Liquidation |
B
Weak |
B2
Poor |
B
Possessing Risk |
16 |
S
Rating Suspended |
B-
Weak |
B3
Poor |
B-
Possessing Risk |
17 |
|
CCC+
Very Weak |
Caa
Very Poor |
CCC
Substantial
Risk |
18 |
|
CCC
Very Weak |
Ca
Extremely Poor |
DD
Liquidating |
19 |
|
CCC-
Very Weak |
C
Lowest |
SR
Suspended Rating |
20 |
|
CC
Extremely Weak |
|
|
21 |
|
R
Regulatory Action |
|
|
22 |
|
pi
Based on public information only
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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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