5 Reasons Freelancers Should Have Disability Income Insurance

5 Reasons Freelancers Should Have Disability Income Insurance

The term freelancer is an unusual moniker for someone who is self-employed, but it is used widely to describe that large group of workers who have issues with traditional employment. Although how the term was coined continues to be debated, one can look at the most...
Long-Term Disability Insurance Riders Explained

Long-Term Disability Insurance Riders Explained

Fundamentally speaking, a disability income insurance policy helps to replace your income if you become disabled and are unable to work. When you’re shopping for long-term disability insurance coverage, you will find that you can customize your insurance coverage...
Long-Term Disability | Are the Odds against You?

Long-Term Disability | Are the Odds against You?

It’s surprising to find that most workers, professional or blue-collar, believe long-term disability is something that happens only to workers who have blue-collar jobs like roofers, heavy equipment operators, or people who do heavy lifting all day. Yet these...
Disability Insurance for Physicians | The Dos and Don’ts

Disability Insurance for Physicians | The Dos and Don’ts

When starting their careers, physicians are typically taught the necessity of buying individual disability insurance policy during the course of or soon after training. Regrettably, not all individual disability policies are the same, which is why we encourage...

Disability Insurance for Sales Professionals

How much is your sales income worth to you? Whether you work on commission or salary, your life would most certainly be impacted greatly if you were to unexpectedly become injured or disabled. You might assume that since your job may not be overly stressful in the...
Disability Insurance for Pharmacists

Disability Insurance for Pharmacists

Pharmacists, like all medical professionals, have a better understanding than most about the importance of maintaining our health and physical well-being, and the risks that each of us face every day regarding injury, illness and disability. But, be that as it may, a...

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Richard Reich

CEO - Licensed Agent

Richard Reich CEO and Licensed agent

In my 20+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.  Being independent, I represent many highly-rated insurance companies and, because I am not beholden to any one insurance company, my focus is to find the right company and policy for each individual client. I believe that when people shop for insurance (or anything else, for that matter) on the Internet, they are looking for a simple, non-intrusive, non-pressure method of doing so.  I strive to treat my prospective clients with the utmost respect and I believe an educated prospect can make the right decision without sales pressure. Please feel free to contact me at your convenience.