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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[…]

Principal Disability Changes

The following changes are effective Monday, February 6, 2017: These Changes will not affect any existing policies inforce. Several occupations are re-classified for all disability products: 5A: Pharmacists 4A-M: Nurse Practitioners 3A-M: Dentists and dental specialties OB/GYNs Surgeons (general, plastic and orthopedic) Pain management physicians CRNAs All 3A-M occupations now qualify for the Regular Occupation rider.[…]