Archive for Disability Insurance

Loss of Income Insurance – Protect Your Paycheck

Loss of income protection – Disability income insurance Disability Insurance Quotes Online   |   Disability Insurance Riders   |   Aflac Alternatives   |   Mortgage Protection   Your income is the largest asset you’ll ever own: it helps you pay for all your other assets, home, car, retirement, lifestyle. It makes sense to […]

Video – Why protect your paycheck


Everything You Own Depends On Your Income. Protect your paycheck!

What will you have to give up on, if you lose part of your income due to medical issues? If you lose part of your income due to medical issues, what will you have to cut expenses on? Will you give up buying food? Paying for utilities? Who will pay for your family’s expenses? Can […]

Group long-term disability may not be enough!

Employer-paid group LTD may not cover all of your income needs while sick The other day I was reading an eye-opening report about clients that had long-term disability insurance claims, who had the coverage offered by their employer. Although they felt they had adequate coverage before going on claim, they have discovered that the benefits […]

Sick pay for stay-at-home parents – Disability insurance for homemakers?

A “stay-at-home” parent does not actively bring in an income, but the services provided are valued by experts at around $60 – $90,000 per year (depending on where they live). What is the actual job description of a homemaker? Nanny, taxi cab driver, chef, personal shopper, housekeeper, scheduler, nurse, etc. Think of all the expenses […]

“Which job would YOU choose?” How to increase employees retention and loyalty

Your employees are the heart of your business What makes your business valuable? Great service, good products, happy employees. Trusted loyal key employees are hard to find, but when you find them, you better keep them happy! Make sure your employees are encouraged to stay with you, by providing certain benefits sometimes at no extra […]

Do you insure your insurance? Waive your premiums, expenses, utilities and bills

“Insuring your insurance” – This may sound redundant at first glance, but did you think how will you pay your health insurance premiums if you get sick and can’t work? And that’s exactly when you’ll need your health insurance the most! Waiver of Premium (WOP) Some life insurance policies come with a waiver of premium […]

Declined, Rejected, Postponed or Rated for Insurance? You still have options

Do you find it hard to get the insurance you need? As independent insurance brokers, we have a large portfolio of “A” rated insurers that allows us to find great coverage even if you have been declined before. Life Insurance, Disability Insurance, Long-Term Care, Medicare Supplements, Final Expense – we have the solutions you need. […]

Alternative to Workers’ Comp – Disability Insurance for employers and business owners who can opt-out of WC

Oklahoma and Texas now allow some employers to opt-out of the traditional Workers’ Compensation plans and find alternative coverage to protect their employees against income loss due to medical issues. Other states may also allow only the business owner to opt out of W.C. coverage for the owners. What are the options to replace the […]

The ATM Machine in Your Living Room

What if you had an ATM in your living room? If you had an ATM that would give you $50,000 cash every year, would you insure it against damage or outage? You certainly would! You already insure some of your lower valued items, like your car (a necessity, not a money-maker), your home (maybe your […]

Does Your Health Insurance Pay For Income Loss As Well?

Lost wages covered by health insurance supplement (income loss protection). Your doctors get paid, but who pays you? As a responsible person, you probably have health insurance to cover you for major medical illnesses or accidents, doctors fees, hospital bills, medications cost. But will your medical insurance cover for income lost during your illness? If […]

What Will You Do When You Get Sick and Run Out of Money?

Well, one options is: start begging your family or friends for money to pay your bills, or you’ll have to foreclose on your home, downsize, put off children’s education, use your pension funds and kiss your retirement goodbye. I suppose Social Security can help in those extreme cases (if you have 6 to 18 months […]

Why get insurance premium funding?

Have you considered premium funding for your insurance plans? If not, you should! Does your life insurance provide “premium funding” in case you become sick and can’t work? Why would you need it? Because it is more likely to lose income due to an illness or accident, than it is to die prematurely. Good and […]

Lost Wages Protection for Veterinarians

Veterinarians need to protect their income with disability insurance Like many medical occupations, veterinarians know that if they hurt their arms or their back chances are they will be left without an income. Usually, most vets are self employed or run a small practice with a couple of employees, veterinarian assistant, billing or sales clerk. […]

Don’t fool yourself! – The Truth About Insurance

The truth is, everyone hates insurance. Another reality that is unfortunately true: we all need it! I’ve had some of those days when working on my budget, I was looking for expenses I could cut and thought of all my insurance policies: after all, how do I know if something is going to happen to […]

Ten Myths About Disability Insurance, Debunked

Top Ten Myths About Disability Insurance, Debunked   You may have your reasons for not getting disability income (DI) insurance. But do you know the facts?   10.    Social Security will take care of me. Fact: Social Security initially denies about 65 percent of all disability claims.*   9.    I expect to stay […]

Life Happens! We Have Solutions. Financial protection for you, your family and your business

Event-based Solutions Our experienced advisors can help you with customized protection solutions for your life’s biggest events: Saying “I do” Being a parent Single and independent Buying a home Owning a business Life changes all the time. As we encounter new situations, our protection needs change as well. LifeGuy is here to help with the […]

Challenge accepted: Jennifer Love Hewitt, I will insure you!

Challenge accepted: Jennifer Love Hewitt, I want to insure your boobs! I would normally stay away from sensationalist news, but this one relates to my business: Jennifer Love Hewitt said during her interview on USA Today that she would insure her breasts for $2.5 million, even though she values them at $5 million. It sounded […]

How much does it cost to insure my hands or body?

After writing my article last year “Can I insure my hands?” , seems like the question I get the most lately is “So, how much is it to insure my hands?” Not an arm and a leg! Before I give you the answer to this question in detail, I would like you to complete this poll:     […]

What is the most dangerous job in America?

The most dangerous job in US, according to the Bureau of Labor and Statistics, is commercial fishing. An obvious need for income protection, short-term and long-term sick pay You remember the reality TV show, The Deadliest Catch? The series only gives a glimpse of the dangers of deep sea fishing. The need for income protection […]

Lost wages compensation for off or on the job injuries or illnesses

You may already be familiar with how Workers’ Comp works: if you get injured at work or on a job site, you will receive compensation to replace the income lost due to being unable to work due to your injuries or work related sickness. However, did you know that over 90% of insurance claims are […]

Physical Therapists and Massage Therapists Need Hands Insurance Too

My last client who is a physical therapist suggested that I should contact all physical therapists and massage therapists in the area because – like herself – they don’t have adequate protection provided by their employer to cover their income or paycheck. Generally, professionals in this occupation are self-employed individuals or 1099 contractors that are not […]

Small business owners may opt out of Workmans Comp and get better protection with DI

Many business owners may be able to opt out of Workmans comp coverage on themselves, and get cheaper and better protection with a Disability Insurance policy, that will cover them for any on or off the job injury or illness. Workers’ compensation only protects you for on the job injuries, and not for illnesses or […]

Invisible illnesses can steal your paycheck

Did you ever have to park far from the main entrance at a shopping center, just to see someone parked in a “handicapped” spot who comes out of the car and is not in a wheelchair? You may be tempted to think that they’re just taking advantage of the system or just using a relative’s […]

Everybody deserves a second chance. All pre-existing conditions accepted.

Have you been declined for insurance? You must feel discouraged and think you’re out of luck. Actually, there are still options for you even if you’ve been rejected for insurance in the past. All different types of insurance (life, disability, health) have some alternatives called “substandard” insurance available for not-so-healthy individuals. Some of these second […]

Can I insure my hands? Where to get hands insurance

Can I insure my hands? Surgeons, Dentists, Physicians – click here for Specialty own-occ DI Yes, you can insure your hands and it makes total sense: you depend on your hands to do pretty much anything. Hands insurance is a must for almost anyone working with their hands. It is most popular amongst Massage Therapists, […]

Scary gaps in your insurance coverage are lurking, just waiting for the best (or worst) moment to jump at you

You think you’re covered, but have you checked your benefits lately, to compare with your current needs?  Life changes every day: got a raise, move to a new home, growing families, health changes… Make sure your protection plans keep up with your pace. Health, life and disability insurance need to be adjusted from time to […]

Imagine living on half of your paycheck. 5 ways to make sure your income continues if you can’t work

  Have you set your alarm to wake you up this morning? If you did, then you depend on your income to pay for everyday expenses (trust fund babies, please move on to a different article, this information does not apply to you). Disability insurance protects your income Most work provided long-term and short-term disability insurance […]

Life insurance that pays you to live!

Life insurance for life   Life insurance is usually a subject from which most of us would prefer to stay away. Nobody wants to think of their mortality. Or if they do, they see themselves living a long  fulfilling life.   Good news: for most of us, this is true. Due to the medical and […]

If you could afford to insure one of your body parts, which would that be?

  You’ve heard of celebrities getting huge amounts of insurance for certain body parts to help them avoid a financial burden if one day they can’t perform their job: After Gillette determined that Rihanna has the most goddess-like legs in the world, she insured them for $1 million. Madonna thinks she would lose about $2,000,000 […]

Which are the most important disability insurance riders?

When deciding to protect your income, choosing a disability insurance policy can be overwhelming. A Disability insurance expert  will explain each rider and find the best plan based on your disability income needs and areas of concern. The Residual Disability Income is the most important DI rider.   Residual Disability Rider If you are sick or hurt and […]

How Will My Disability Insurance Policy Pay?

The most important factor to take into consideration when choosing to protect your income with disability insurance, is the DEFINITION of total disability on your policy.   Own-Occupation All white collar occupations should be protected with a DI policy that has “own-occ” definition of total disability. This will allow you to work in another occupation […]

Mortgage Protection

Mortgage Insurance or Mortgage Protection is needed when you are concerned about making your house payments in case you lose your job, or if you get too sick or hurt to work and earn an income, or in case of premature death. To get a mortgage insurance protection quote, fill out the form below: Full […]

In A Perfect World…

In a Perfect World … In a perfect world, there would be no disease. No accidents. No death. In a perfect world, there would be no risks. In a perfect world, you would not need insurance to cover your life, health, family, mortgage, business… In an almost perfect world, if you do need to get […]

When Should I Get Life Insurance?

The best time to plant a tree was twenty years ago. The next best time is today!   Many people ask me when is the best time to get life insurance. Three good reasons to talk about the future, today: 1) “Tomorrow” doesn’t come with a guarantee 2) The sooner you start planning, the more […]

Your Most Valuable Asset – Your Ability To Earn An Income. Get Disability Insurance To Protect your Paycheck – NOW, with Return of Premium

Everything depends on your income Did you ever ask yourself: What is your most valuable asset? We’re tempted to say “my home”, or “my car”, or “my retirement fund”. But would you have these if you wouldn’t be able to work and get a paycheck? You know you have to protect your car, your home […]

Sick Pay – What Business Owners Need To Know

Few employers are aware that if they continue paying the salary of a disabled employee without a written Qualified Sick Pay Plan (or QSPP) in place prior to the disability, the payments they make lose the deductibility as a wage expense. This will be considered as an “ad-hoc” sick pay plan, and few people are aware of […]

Prayers are welcome, but I’m sending a check!

The hardest thing in life is the loss of a loved one. But almost as hard is having someone we love deal with cancer, or any other serious illness or accident. Or – even worst – be the burden for your family if you are the one hit with such bad luck.  We’ve all been […]

Real Dads Have Life Insurance

Just the other day I was talking to a friend of mine whose sister has three young children. My friend was distraught because her sister and the children had to move to a different state. She could not find work in the past few years and couldn’t afford to pay her mortgage anymore. Her husband […]

Leap Into a Safer Future

This year we have an extra day: February 29th only comes once every four years. It is interesting to know that Egyptians came up with the Leap Day to make up for the difference between their calendar and the time it takes the Earth to complete a full rotation around the Sun. These ancient people […]

It’s Time For Some Payback! – Radio spot

Wouldn’t it be great if there was a type of insurance that was there when you need it, and gave you your money back if not? THERE IS! Term Life Insurance with Return of Premium (ROP) will return 100% of your premiums back at the end of the insurance contract. (Your selected term: 15, 20, […]

Life Insurance is Love Insurance. LifeGuy helps families in the times of need. Life, Retirement, Mortgage Ins. and Disability Insurance.