Disability Insurance
|
Phone: (310)
473-7171
Fax: (310) 826-0628
|
 Your business and its ability
to generate income rely on YOU. The Personal and Business
expenses will continue at the time you are not able to work
To insure your income in case of total or partial disability
you will need Disability Insurance.
Most individual policies guarantee the premium and anywhere
from 60% to 80% of your income up to age 65.
Below are important points to consider when purchasing
disability insurance:
- Financial strength of insurance company
- Guarantee renewal
- Definition of Total and partial disability
- Own occupation rider
Group Short Term Disability Insurance or known as
STD, is offered by an employer on a tax deductible basis.
Coverage generally begins upon the first day of an accident,
or upon the eighth day of an illness for period of 3 or 6
months. Coverage is 1/3 of employee's salary.
Group Long Term Disability Insurance known as LTD is
coverage lasting for longer period, typically for five years
or to the age 65. Elimination periods are generally longer
than STD.
Want a proposal? Simply complete the online quote
request form or call
1-310-473-7171
| 
