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Created to insure you for a disabling sickness or injury, disability
insurance will provide an individual the ability to continue their
standard of living. It is designed to replace up to 60% of taxable
income. http://disabilityinsurance.termlifeamerica.com/
About Us
Our mission is to provide insurance products that matter most to
insurance consumers; their families and businesses, and we assist in
making informed decisions.
http://disabilityinsurance.termlifeamerica.com/aboutus.html
Contact Us
One of our Licensed Insurance Representatives will be assigned to
your request and will contact you to address it in a timely fashion.
http://disabilityinsurance.termlifeamerica.com/contactus.html
Legal And Privacy Policies
DisabilityInsurance.TermLifeAmerica.com legal policies and
procedures for handling customer information have been created with
the understanding that Internet technologies are still evolving and
that Internet business methods are continuing to evolve to meet the
needs and opportunities of the changing technologies.
http://disabilityinsurance.termlifeamerica.com/legal.html
site map
http://disabilityinsurance.termlifeamerica.com/sitemap.html
About Disability Insurance
Types of Disability insurance coverage
Given that disability coverage benefits are determined by an
insured's occupational class which in turn determines the length of
the elimination period, benefit pay-out period, and any exclusion
rider/riders that may be attached to the policy, the following
disability insurance types may be found in the insurance industry.
http://disabilityinsurance.termlifeamerica.com/typesofdisabilityinsurancecoverage.html
benefits
Five Steps In Judging Disability Insurance Benefits
http://disabilityinsurance.termlifeamerica.com/benefits.html
Renewability Provisions
Most Companies will offer a disability contract that may be
guaranteed renewable only or both non-cancelable and guaranteed
renewable.
http://disabilityinsurance.termlifeamerica.com/renewabilityprovisions.html
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.
http://disabilityinsurance.termlifeamerica.com/definitionsoftotaldisability.html
Residual Disability Benefits
This provision will define the benefits you may receive if you are
able to work but your earnings are reduced as a result of
disability.
http://disabilityinsurance.termlifeamerica.com/residualdisabilitybenefits.html
Optional
Benefits
To enhance your coverage and your ability to design specific
benefits to your specific situation many optional benefits are
usually offered.
http://disabilityinsurance.termlifeamerica.com/optionalbenefits.html
Other Policy
Benefits
The best policies contain additional provisions designed to protect
your interests.
http://disabilityinsurance.termlifeamerica.com/otherpolicybenefits.html
Occupation Definitions
Definitions Of Disability Are Defined By Occupational Classes! What
policy language do insurance companies use to determine benefit
entitlements?
http://disabilityinsurance.termlifeamerica.com/occupationaldefinitions.html
Occupation Class Look Up
While not all disability insurance companies have developed and use
the same occupation class ratings as stated below, we find that the
occupation classes used here are reflective of the disability
insurance marketplace! However, on an individual basis, some
disability insurance companies may rate some professionals in even
higher rate classes then listed.
http://disabilityinsurance.termlifeamerica.com/occupationclasslookup.html
Terms
Like any industry, the disability insurance industry has it's own
unique terms. The definitions of these terms are general in nature,
and may vary by company and/or state insurance regulations.
http://disabilityinsurance.termlifeamerica.com/terms.html
About Disability Insurance Needs
needs
You need enough coverage to provide you with sufficient income to
live on until you are able to return to work or receive other
financial resources retirement, social security, and so on.
Ask
Yourself ... Could I still pay my bills without
my income?
http://disabilityinsurance.termlifeamerica.com/needs.html
Disability Needs Calculator
Calculate your disability insurance needs.
http://disabilityinsurance.termlifeamerica.com/calculator.html
FAQ's
What are the factors related to the cost of Disability Insurance?
http://disabilityinsurance.termlifeamerica.com/FAQ's.html
Illustrations Examples
Below are illustrations of disability company definitions and how
they might differ! When you request a quotation from us, we
will always supply you with three (3) choices of carriers. Thus a
complete set of choices will be available to you. The rule of thumb
is that the more liberal the definition the higher the premium. This
is because of the increased contractual liability the company has if
you should become disabled.
http://disabilityinsurance.termlifeamerica.com/illustrations.html
Guardian-Berkshire Policy Illustration Here!
The Standard
Policy Illustration Here!
Disability Insurance For The Professional
Professionals
Professionals should only consider a disability insurance contract
with own-occupation language and seek out the contract that offers
the longest own-occ time period available industry wide.
http://disabilityinsurance.termlifeamerica.com/professionals.html
Individuals
With Disability Insurance, an insured's Occupational Class will
determine the dollar amount of coverage, elimination period, and the
benefit pay-out period. http://disabilityinsurance.termlifeamerica.com/individuals.html
Executives
Businesses can guard against the loss of an executive due to a
disability by purchasing keyman disability insurance, that is owned
by the business, rather than the employee.
http://disabilityinsurance.termlifeamerica.com/executives.html
Physicians
Physicians should only consider a disability insurance contract with
specialty own-occupation language.
http://disabilityinsurance.termlifeamerica.com/physicians.html
Attorneys
Bottom line, when disabled, the Law may take away your ability to
continue to practice and earn income!
http://disabilityinsurance.termlifeamerica.com/attorneys.html
Top Rated Disability Insurance Company Products
Companies And Product Benefits
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.
http://disabilityinsurance.termlifeamerica.com/companies.html
aig
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.http://disabilityinsurance.termlifeamerica.com/aig.html
assurity
In 1997, the Assurity Life Insurance Company was formed as a
subsidiary of Woodmen Accident and Life, and in 2001, the two
companies were united with the century-old Lincoln Direct Life
Insurance Company, comprising the Lincoln Insurance Group.
http://disabilityinsurance.termlifeamerica.com/assurity.html
berkshire
Berkshire Life specializes in disability insurance products that are
excellent for highly skilled professionals, executives and business
owners.
http://disabilityinsurance.termlifeamerica.com/berkshire.html
BIRKSHIRE BROCHURE
Sample Policy
boston mutual
Founded in 1891, Boston Mutual is dedicated to maintaining high
quality products by providing innovative benefits specially designed
to meet our clients' cost objectives and their employees' needs
http://disabilityinsurance.termlifeamerica.com/bostonmutual.html
guardian
Founded in 1860, The Guardian Life Insurance Company of America, New
York, NY (Guardian) is the fourth largest mutual life insurance
company in the United States.
http://disabilityinsurance.termlifeamerica.com/guardian.html
hartford
Nearly 200 years in business, The Hartford is known for financial
strength, stability, superior customer service, and operational
excellence. The Hartford serves millions of customers worldwide.
http://disabilityinsurance.termlifeamerica.com/hartford.html
massmutual
MassMutual has a long history of exceptional financial strength.
http://disabilityinsurance.termlifeamerica.com/massmutual.html
metlife
Headquartered in New York, NY, MetLife and its affiliates offer a
full range of insurance and other financial products and services.
http://disabilityinsurance.termlifeamerica.com/metlife.html
mutual of omaha
Short-Term Disability Insurance Designed to help manage an employees
bottom line, while providing competitive benefits and reasonable
cost.
http://disabilityinsurance.termlifeamerica.com/mutualofomaha.html
principal
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.
http://disabilityinsurance.termlifeamerica.com/principal.html
union central
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.
http://disabilityinsurance.termlifeamerica.com/unioncentral.html
Business Disability Products
Policies For Businesses
Standard vs. Professional Business Overhead Expense Disability
Insurance
http://disabilityinsurance.termlifeamerica.com/business.html
Disability Buy Out
You and your partners have invested heavily in time, money and hard
work to build your business. You've insured its physical plant,
probably your lives and your families' lifestyles with individual
DI. Doesn't it make sense to take the next step and ensure that your
business can go on even if one of you can't?
http://disabilityinsurance.termlifeamerica.com/disabilitybuyout.html
Disability Buy Out Insurance
This type of disability insurance is designed specifically to
provide the company's owners with the money they would need to
reimburse a disabled owner for his or her financial interest in the
company.
http://disabilityinsurance.termlifeamerica.com/disabilitybuyoutinsurance.html
Keyman Disability insurance
http://disabilityinsurance.termlifeamerica.com/executives.html
Employer Groups
Group disability protection insurance provides financial benefits to
employees when they are unable to work due to a disability caused by
a covered illness or injury, regardless of whether or not that
illness or injury is work-related.
http://disabilityinsurance.termlifeamerica.com/employergroups.html
Quotes
REQUEST A QUOTE !
It's easy to get an individual quote for Disability Income
Insurance. Simply fill out the quote request form below.http://disabilityinsurance.termlifeamerica.com/getaquote.html
REQUEST A GROUP QUOTE !
Please complete the form below to obtain a competitive group long
term and/or short term quotation for your business!http://disabilityinsurance.termlifeamerica.com/groupquotes.html
DI Group
Census Here!
Applying For Coverage
applications
In a few days after you have received you disability benefit
illustration and premium quote, one of our licensed and
exceptionally experienced representatives will contact you to answer
your questions and give you the opportunity to apply for coverage.
http://disabilityinsurance.termlifeamerica.com/applications.html
Related Topics
Disability Insurance Taxation
Under the Amended Plan, long-term disability benefits received by an
employee whose coverage is paid by the Employer on a pre-tax basis
for the plan year in which the employee becomes disabled are
attributable solely to pre-tax Employer contributions and are
includible in the employee’s gross income under § 105(a).http://disabilityinsurance.termlifeamerica.com/disabilityinsurancetaxation.html
Social Security Disability
Social Security Disability Insurance pays benefits to you and
certain members of your family if you are insured, meaning that you
worked long enough and paid Social Security taxes.
http://disabilityinsurance.termlifeamerica.com/socialsecuritydisability.html
State Insurance Departments
Insurance is regulated by each state’s insurance laws. These laws
are enforced by the Insurance Department of each state.
http://disabilityinsurance.termlifeamerica.com/stateinsurancedepartments.html
News
http://disabilityinsurance.termlifeamerica.com/news.html
Helpful Links
Disabilities Related Organizations
http://disabilityinsurance.termlifeamerica.com/helpfullinks.html
The Whole
Story
http://disabilityinsurance.termlifeamerica.com/TheWholeStory.pdf
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Alabama - AL
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