Category Archives: Disability Insurance

The Secret To The Alphabet Soup After Your Financial Advisor’s Name:

Have you ever wondered about the letters that appear after an advisor’s name on their business card?  FINRA has added to their website a tool (click here) to look up these designations and to help consumers decided whether it’s a … Continue reading

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Why Low Interest Rates Are Slowly Eroding Your Insurance

Low Interest Rates are having a long term negative impact on the performance of all insurance products.  The reason is that insurance companies for the most part are restricted to investing in bonds and when interest rates are low, bond … Continue reading

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Interview with Crissinda Ponder for Bankrate.com: Even Young Adults Need Disability Insurance

Thanks to Crissinda Ponder for the opportunity to be a source for her article on Bankrate.com on “Even Young Adults Need Disability Insurance”.  Crissinda brings up the much over-looked issue of Disability Insurance to protect your income.  There is a … Continue reading

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Ten Things That You Need To Know About Disability Insurance:

Did you know that . . . 3 in 10 workers entering the workforce today will become disabled for some period of time before they retire (Social Security Administration, Fact Sheet, January 31, 2007)? More than 90 percent of disabling … Continue reading

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Test How Much You Know About Life and Disability Insurance

When you hear the words insurance, what do you think of?  Do you scream like Woody Allen in High Anxiety or run like Bill Murray in Groundhog Day or do you just get a headache?   While insurance may be … Continue reading

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Are You Prepared In The Event of A Disability?

Disability Claims come from many sources – some expected and some unexpected. It’s important to be prepared for disability by having sufficient disability income insurance.  Disability income insurance coverage is a very important coverage.  It pays when you are disabled … Continue reading

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How You Can Avoid Being A Client Of The Next Bernie Madoff

Knowing your advisor is important.  Every day, you can find a story about some type of fraudulent financial scheme.  Knowing your advisor goes beyond just being referred, it means taking time to do your own independent research and avoiding being … Continue reading

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Will Low Interest Rates Impact Your Insurance?

Insurance is usually a long term term proposition.  The insurance policy you purchase today is one you may have for a very long time.  As part of that, it’s important to make sure that you have a solid insurance company, … Continue reading

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If the only tool your insurance agent has is a hammer, is your every insurance need a nail?

Underwriting of any insurance product will vary from company to company and by specific risk.  Sometimes, there is a master rule, while other times, companies will vary in the coverage that they will offer and at the pricing.  As an … Continue reading

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Will Your Group Long Term Disability Insurance Come Up Short?

Group Long Term Disability (LTD) is great coverage, however, as has been discussed in this blog quite often – there can be significant shortfalls with Group LTD coverage. Group LTD coverage can and should be supplemented with Individual Disability Income … Continue reading

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