Category: Disability Insurance

How to Age Gracefully With Your Parents and Plan for the Future

Have you ever read the children’s book Love You Forever, where the mother cares for her growing son until, as a grown man, the son cares for his aging mother? The story depicts a parent/child role reversal that many experience in real life. Talking about aging with parents can be difficult. But being honest about the topic is important. To help guide the conversation, here...

Life Changing Events

Have you experienced any life changing events that require you to call us about your life insurance? Some example events that would require you to update your policy are listed below: • Marriage • Childbirth or Adoption • Changing Employment • Buying a New Home • Starting a Business • Change in Retirement • Responsibilities for Elderly Parents Make sure you reflect at least annually on your...

Nine Reasons to Check Your Insurance Coverage

As our lives change, so do our insurance needs. Here are some examples of when to check your coverage: 1. You’re remodeling or building an addition to your property. In some cases, remodeling projects can increase your home’s reconstruction cost and you may want to adjust your homeowners insurance coverage. (Whenever you hire a contractor, be sure you request a certificate of insurance to confirm...

Denial, Fear and Confusion

Have you contacted anyone about your life insurance or long-term care insurance? The purpose of these policies is to provide you and your family a safety net should you become too incapacitated to stay at home, or should you die. It’s not pleasant to think about one’s mortality or incapacity, but it is a reality. Refusing to confront, or procrastinating about, the need for long-term...

Key Employee Disability Income Insurance

Sometimes considered the companion policy in a key employee package, key employee disability income insurance is often included along with life insurance. The probability of a key employee becoming partially or totally disabled is actually greater than the probability of death during employment. The key employee disability insurance will pay the firm anywhere from 40 to 70 percent of the disabled employee’s income. Should the...