Life & Disability Insurance
It is for THEM - your loved ones!
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Life insurance may be one of the most important purchases you ever make for your family and no financial plan is complete without it. The tax-free proceeds from a life insurance policy can help cover the mortgage, pay for college education, continue a business, pay off debts and much more, during a time of tremendous emotional and financial stress.
There are two basic types of life insurance:
Get more information or a quick quote by filling out our online Disability Insurance quote form.
There are two main types of disability insurance: short-term and long-term.
Short Term Disability Insurance (may be available only in a group setting or through voluntary group policies) - coverage typically begins within two weeks of disability and replaces a portion of your salary for a short-period of time, typically 60% to 70% and for a period of three to six months following a disability. The specific time period and percentage of replaced income varies with different policies.
Long-term Disability Insurance coverage typically begins after the policyholder is disabled and unable to work for one or more months. Benefits may be a set dollar amount per month but typically are payable up to a maximum of 60% to 70% of your salary. Benefits can extend for a specified number of years or until age 65 or normal retirement age, depending on the policy selected. Though policies can be costly and qualificaitons strict, this coverage can replace millions of dollars of lost wages and provide protection against financial devastation.