Disability Insurance

What is Disability Insurance ?
Technically disability insurance is a financial services product designed to replace a portion of your income in the event a sickness or accident prevents you from earning an income in your occupation. What it really does is in the event one of the breadwinners can no longer support the family because of an illness or accident. There are many kinds of disability insurance, and no two disability insurance policies are the same, so make sure you purchase your disability insurance policy from an experienced agent, and from a top tier company with experience in this line of business.


Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract. The goal of this site is to provide you with a resource to make an educated decision on your own.

Why do You want Disability Insurance ?
Everybody has their own reason for purchasing individual disability insurance. The following is an anonymous list of reasons why people want to get their own disability insurance policy. This is an automated list that will change constantly. We think it is a great way for people to really personalize this type of insurance, and to expand the way they are thinking about this type of coverage. Whether you are an insurance agent, or somebody thinking about getting a policy for yourself, spend some time on this page every once in awhile and you will really understand the need for a personal disability insurance policy.
A personal long term disability insurance policy is a legal document, and everything you think you have coverage for must be written into the actual disability insurance policy. If you think you see something on a proposal, or an agent tells you something, it is not a fact until you see it written into your physical disability insurance policy. The policy is the legal document, and you only have coverage that is outlined in the disability insurance policy. Our agency provides you with a sample disability insurance policy for download here, feel free to print it and spend a lot of time reviewing it. We believe that once you understand how the Provider Plus disability insurance policy pays a claim, you would not choose any other coverage.