A Complete Employment Disability Guide

A Complete Employment Disability Guide

In the United States and many countries in the world, discrimination against the disabled is unlawful. The American federal law on disability discrimination defines disability as a mental or physical handicap which makes it difficult for the person to carry out his or...
Employment Resources for the Disabled

Employment Resources for the Disabled

For millions of people with disabilities, a stable and sufficient job may seem out of reach. Nearly 70 percent of adults who have some type of disability would like to work. That’s a staggering 18 million people who could be joining the workforce. Here you will find...
Tips for Individuals

Tips for Individuals

Choosing an Individual Disability Insurance Policy If you’re depending on your income to cover the cost of your living expenses, it’s essential that you protect your income with a quality disability income insurance policy. When comparing individual long term...
Disability Tips for Physicians

Disability Tips for Physicians

Why Physicians Need Disability Insurance For physicians, disability insurance is a necessity. Individuals who build successful careers as doctors spend many years and hundreds of thousands of dollars in training expenses preparing to pursue careers in the medical...
Disability Insurance Comparisons

Disability Insurance Comparisons

Comparing Long Term Disability Insurance Policies When you’re looking at disability insurance comparisons from different sources, make sure to pay close attention to the specific terms of the policies you are considering. While there are many similarities among long...
Rehabilitation Benefit

Rehabilitation Benefit

To help a disabled insured person return to work in his or her own occupation, most disability insurance policies include a rehabilitation benefit. This benefit will pay some of the expenses incurred when the insured enrolls in an approved rehabilitation program. The...
Definition of Total Disability

Definition of Total Disability

For the purposes of determining the exact circumstances under which an insured may be entitled to benefits under a disability income insurance policy, Total Disability can be defined in two general ways: Own Occupation Definition of Disability Under this definition,...
Examples of Disability Insurance Claims

Examples of Disability Insurance Claims

It may surprise you that only 14% of disability insurance claims are caused by injuries, most are caused by illness. Thus, the number of claims due to illness is six times more likely  to occur than claims due to injuries. (1) The following gives actual recent claims...
The Role of Disability in Mortgage Foreclosure

The Role of Disability in Mortgage Foreclosure

Disability insurance coverage is one of the most overlooked, under-attained coverages in the United States, even though availability of it is on the rise. About 100 million workers are without disability income insurance. There are several reasons for this disturbing...

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To get more information about purchasing life insurance with severe medical conditions, contact an insurance professional at LifeInsure.Com today at (866) 868-0099 during normal business hours, or you can contact us through our website 24/7.

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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.

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