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NAHU
Disability Insurance Article
This is a recent article Bill Olmsted and I wrote in April, 2005 for
the National Association of Health Underwriters. The article is truly
written for insurance agents to read, it is not really a consumer
focused article. It discusses the need for agents to believe in the
need for personal long term disability insurance before they get lost
in the comparisons of contracts and the statistics. It also discusses
some markets that disability insurance agents can work in to be successful
in this business.
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Application
& Paramed Instructions
Article discusses how to successfully complete a disability insurance
application as a client, and offers some tips on how to avoid some
common mistakes people make when scheduling a paramedical examination.
This is an excellent read for anybody about to apply for individual
disability insurance.
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CNN-Money
Magazine - Disability Insurance
Ouch!...Don't forget disability insurance. Did
you know that about 30% of Americans will suffer a long term disability
of 90 days or more before they reach the age of 65? A well written
article by Money Magazine detailing what to look for in a DI plan.
This was one of the first major magazines to include me as a source
for a personal disability insurance article.
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Disability
Insurance Statistics
What are the odds of having to use a disability insurance policy before
the age of 65? What are some of the most common causes of claims paid
by the insurance companies? This is an article that really spells
out why people should purchase a personal disability insurance plan.
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Small
Business Disability Insurance
Article discusses the rules and regulations of a business owning a
disability insurance policy on the owner. If you think that as a business
owner you can simply have the business own your disability insurance
policy, and you can deduct the premiums, this article is a must read!
Learn all about Qualified Sick Pay Plans, and how to make them work
for your business.
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Group
LTD vs. Individual Disability Insurance
A well written article discussing the material differences between
a group long term disability insurance plan and a personally owned
policy. A chart illustrates some major feature comparisons in a side-by-side
format for the average buyer to review.
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Pittsburgh
Post Gazette - Disability Insurance
This article discusses how disability insurance is often overlooked
when it comes to financial planning. Families take the time to purchase
a life insurance policy, but often don't realize that the odds of
a disability are much greater than the odds of death before age 65.
According to this article the odds of becoming disabled are 3 to 5
times more likely than death.
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Ric
Edelman - Why is DI Needed?
Have you ever wondered just why financial planners recommend that
you own disability insurance? With medical technologies becoming better
every day, things that used to kill people now only disable. This
article discusses the need for disability insurance, and why it is
more important today than it was yesterday.
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Own-Occupation
- Is It Really?
While most professionals do not debate that an own-occupation disability
insurance contract is the most liberal definition of total disability
on the market, today the consumer needs to be aware that not every
company is using the same definition of "own-occupation".
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1099.com
- The Big Diss
This article discusses how independent consultants can still obtain
individual disability insurance, even if they are working from home.
There is a brief history of disability insurance provided, and an
explanation as to why premiums are rather high. The article also provides
links to some major insurance carriers that offer disability insurance
to consultants.
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Disability
Insurance Underwriting
Getting an individual long term disability insurance policy is not
easy, this is not a contract you just sign up for. Keeping a realistic
approach to the underwriting process will make obtaining a policy
a much more pleasant process. Read this article if you want to know
what to expect.
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Disability
Insurance for Diabetics
Diabetes has reached a point in our society of epidemic proportions.
More and more people are diagnosed with the disease every day, so
it is important to understand how a diabetic can obtain disability
insurance. This article written by a diabetic, tells the story from
first hand experience. |
