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DISABILITY INSURANCE provides protection for you if something should happen to you that would prevent you from working and providing income for you and (if you have them) your dependents living expenses -- food, clothing, shelter, etc. While there is a much greater chance that a typical 35 year old be disabled for more than 90 days than die before reaching age 65, most people do not have a disability policy as part of their insurance portfolio. It is the professionals and small business owners who need this coverage the most, since most large corporations provide some form of disability protection to their employees as part of their benefits program. While obtaining a good disability policy -- whether group or individual -- should be the goal of anyone not curently covered, it is unfortunately one of the hardest policies to obtain. We've had clients who were approved for life insurance at the lowest possible super good health rates, be declined for disability insurance due to such things as stress, occupational duties and avocations. Combined with the fact that there are only a handful of companies that still offer a high quality Disability policy today (most companies have lost money in this area due to abuses of the liberal policies they used to sell), Disability Insurance has truly become the hardest policy to obtain today! But if you don't have a policy today and would like to consider obtaining one, it can't hurt to give it a try. Just complete our Free Quick Quote Form and be sure to provide full details of your current occupation, income and medical conditions and/or history, especially detailing apparently inconsequential things like psychological counseling and stress treatments, etc., so we can try to provide you with the most difficult, yet essential coverage. If anyone can get you Disability Insurance, we may be your best chance.

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