What are Disability Insurance Riders and Which Are Most Common?

Just like cars have a standard model, disability insurance has a base policy. Just like cars have options that can be added to the standard model, so does disability insurance. Optional “add-ons” to the base policy of disability insurance are called disability insurance riders. Riders allow consumers to individualize—to add optional features—to their base policy,[…]

Guardian Announcement Higher Limits & More

Guardian is one of the many carriers that we use for Disability Insurance. They have recently made some significant changes to  their issue limits. 1. Higher Maximum Issue & Participation Limits for the Medical Market Effective immediately, Guardian has increased its Maximum Issue and Participation Limits.  Specifically, Guardian has increased its Maximum Issue Limit to[…]

Glossary of Disability Insurance Terms

Accident An event that is unforeseen, unexpected and unintended. Accident Bodily Injury Physical injury sustained as the result of an accident. Accident Disability Either a total or partial disability resulting from an accidental injury. Accidental Death & Dismemberment (AD&D) Benefit An optional benefit that provides a fixed lump sum for accidental death or for certain specified actual loss or[…]

2 Ways Falling in Love Changes Your Insurance Needs

Falling in love changes everything in your life, including insurance needs. That is especially true for couples who eventually marry. Once two hearts become one, insurance can help smooth out the bumps that inevitably arise in a couple’s life together. For example, coverage can help protect the couple’s most valuable asset, the ability to earn[…]