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Disability Income Insurance |
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| Disability Income Insurance (2006-04-20) |
Disability income insurance comes in many variations and policies. They all have one basic idea and that is to replace a portion of your income should you be unable to work. Everyone should have income protection. Some might ask, why? The reason being that few of us are wealthy enough to continue our lifestyle without any money coming in. Most of us could not continue paying our bills if we were off work for very long. I know most families could not last more than three months in savings before they need a source of income.
What if you were disabled because of illness or injury for four months, ten months, or much longer? Do you have coverage in place to pay for lost income? You could use up your savings, or borrow, or run up your credit cards, but what then? Not only is your income stopped, but also now you are in debt! Maybe even close to bankruptcy. You must protect your assets because it does happen often. Don’t think this can’t happen to you.
Affordable Income Protection
Like any other insurance product everyone wants the best disability insurance benefits with the best rates, but one set of rates does not suit everyone. You must take into consideration that if you are comparing same face dollar amounts in coverage shopping two or three companies is enough. In today’s market every carrier is very completive what is best for you may not be best for your neighbor. What your co-worker can afford may not fit your budget. One fact stands out and applies to all workers, however--rates for disability income insurance will be cheaper if you sign up for it now. Get this protection while you still are healthy and lock in great rates.
If you are healthy and have a reasonable income, you will be able to get the best rates from the best insurers, but if you wait until you must have disability insurance to survive because of illness or injury, your pre-existing condition will put you at a disadvantage. The risk to the insurance company rises, and so will your premiums.
E-Insuranceonline offers a variety of disability options: We offer short term, long term, and social disability insurance. We work with Florida’s leading insurance agencies so we can offer the best prices, as well as an assortment of plans.
The first thing we do is listening to what you have to say. You are what are important in this situation. We then make recommendations based on what your individual situation is. We get the proposals from Florida’s leading carriers and prepare a presentation on how you can get the most from your benefit dollar. Once you choose a plan, we'll help you roll it out to your employees so they'll understand what there new plan means to them. And we'll remain available for year-round customer service, should you or your employees have any questions. We are here to help in giving you sound information backed by experience.
E-Insuranceonline has used its years of experience in Florida insurance to give you, the customer, exactly what you need. Buying insurance--whether it's for your family or your company--can be a complex, confusing procedure. That's where we come in. We want to make things as easy as possible so you can focus on the getting the best package for your company. Please let us know what we can do for you. Disability Insurance is only a call away. |
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