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The Importance of Disability Buy-Out Insurance

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Richard Reich
In my 25+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.
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A proper buy-sell agreement should always have provisions that assume the future needs of a small business. Although most buy-sell agreements arrange for the death of a small business owner, many buy-sell documents are quiet when it comes to the …

Long-Term Disability Insurance Tips for First-Time Buyers

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Richard Reich
In my 25+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.
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Latest posts by Richard Reich (see all)

Long-term disability insurance. For most, this term only comes up when applying for company health benefits when you are a newly-hired employee. You know you need health insurance, and they will typically give you life insurance, but what happens if …

Long-Term Disability Insurance: Best Option for the Self-Employed

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Richard Reich
In my 25+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.
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Latest posts by Richard Reich (see all)

The main reasons why some people prefer working as a salaried employee instead of as a self-employed worker are the benefits salaried employees receive for sick days and disability leaves, usually being paid as normal days. While for most …

Disability Income Insurance 101: Own Occupation

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Richard Reich
In my 25+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.
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Latest posts by Richard Reich (see all)

The most important feature of a disability income insurance policy is how the insurer defines “disability.” The most important thing about this critical definition is that it should cover as many scenarios as possible, rather than as few as possible. …

When to Evaluate Your Disability Insurance Coverage

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Richard Reich
In my 25+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.
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Latest posts by Richard Reich (see all)

While many people know it’s important to re-evaluate their life insurance coverage or car insurance coverage from time to time, disability insurance coverage is often overlooked. Should you fall ill or become injured or disabled and unable to work, …

Fill in the Holes in Your Health Care Coverage with Critical Illness Insurance

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Richard Reich
In my 25+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.
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Latest posts by Richard Reich (see all)

Pop Quiz announcement! What is the number one reason people in the U.S. file for bankruptcy? Divorce Money Mismanagement Job Loss Unmanageable Medical Expenses If you answered A, B, or C, you’d be wrong. The number one reason for bankruptcy in the …

Top Reasons to Consider Buying Disability Insurance

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Richard Reich
In my 25+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.
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Latest posts by Richard Reich (see all)

It’s interesting to look at what Americans consider most important in their lives. You can get an idea of our priorities when you consider what we insure and what we don’t insure. For example, most people will insure their car, their boat, their RV, …

3 Things You Need to Do When You Get Your First Job

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Richard Reich
In my 25+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.
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Latest posts by Richard Reich (see all)

So, you nailed that interview and landed your first job but they don’t offer disability insurance. Congrats! But now that you’ve got some money in your pocket, it’s important that you know what to do with it. Otherwise, you could end up in a …

November is National Caregivers Appreciation Month

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Richard Reich
In my 25+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.
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Latest posts by Richard Reich (see all)

November is the month designated for caregivers to be recognized for their tireless efforts during National Caregivers Appreciation Month. This year, the theme is “Take Care to Give Care,” and emphasizes the first rule of taking care of others, which …

October is Breast Cancer Awareness Month

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Richard Reich
In my 25+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.
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Latest posts by Richard Reich (see all)

About one in eight women (about 12%) will get invasive breast cancer in her lifetime. In 2016, almost 250,000 new cases of invasive breast cancer are expected to be diagnosed in women in the U.S. An additional 61,000 women are expected to be …

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Many insurance companies determine your age as your age at your nearest birthday. As an example, if you were born on January 1,1968, your "insurance age" in 2008 would be age 40 up until June 30th, 2008. Thereafter, it would be age 41 until June 30th, 2011.

The date your policy is issued determines your insurance age. As it typically takes 30 - 90 days to approve a policy, the premium of your policy might differ slightly from your original quotes.

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