Category Archives: Disability Insurance

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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What Does The Future Hold for the Life Insurance Industry and Your Life Insurance?

The financial stability of the life insurance industry in the future may be drastically different in the future given a changing financial landscape, changing demographics and buying patterns. Basically, the life insurance industry needs to evolve the products it offers … Continue reading

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Why Overlooking Disability Insurance Can Be Bad For Your Financial Health

May is Disability Awareness Month.  Disability Insurance is often overlooked while it is an essential part of a sound financial plan.  Many people feel that their Group Disability Insurance is sufficient.  while it may not be due to monthly caps, … Continue reading

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Save Money By Changing How Often You Pay Your Insurance Premiums

Changing how often you pay your premium could save you money (it may be a lot!). You almost always have a choice of paying your premiums monthly, quarterly, semi-annually, or annually. Use the Annual Percentage Rate calculator at www.tonysteuer.com which … Continue reading

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Why Your Group Long Term Disability Insurance Is Not Enough!

May is Disability Awareness Month. Disability Insurance is often overlooked while it is critical part of a sound financial plan.  Many people feel that there Group Long Term Disability Insurance Coverage is sufficient.  For various reasons Group Long Term Disability … Continue reading

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