Disability

Most of us take it for granted that we're going to be able to get up for work tomorrow and drive to work, flip over the "Open" sign on our business door, so to speak, and rev-up the computer as normal.

Unfortunately, the odds are extremely high that we will have an extended disruption of our routine due to an accident or disability in our most productive years. It's not pleasant to think about but it is important.

Whether your coverage needs are for lifetime benefits, partial disability, non-cancelable insurance, combined income protection, or something else, I will help you understand your options and pick the best policy available for you and/or your employees. Next to health and life insurance, disability insurance is the most important financial asset you can give yourself, your family and your employees.

Call me to ensure that your disability program is sufficiently comprehensive and will serve your individual and business needs in the event that you need it.

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* Most insurance policies and annuity contracts contain exclusions, limitations, reductions of benefits, surrender charges and terms for keeping them in force. I can provide you with costs and complete details.