Yes, YOU should insure your hands. If you’re reading this, you are concerned about losing your income if something were to happen to your hands. After all, that’s how you earn your living – you depend on your hands to survive in this world: earn an income, pay your bills, mortgage or rent, purchase food, pay for your car, vacations, clothing and other expenses.
Insure your hands from $45/month
Receive $1,000-$10,000 monthly if you can’t work
How does hands insurance work?
Let’s say you get hurt (accident, injury) or have some illness that causes you to take time off from work (arthritis, carpal tunnel, etc) – then your insurance policy starts paying a monthly benefit to cover some of the lost income due to your health issues. There is a waiting period on your policy and a benefit period. These are factors that affect your insurance benefit payout and your premium. I, as your agent, will help you choose the right benefits/riders combination to fit your needs and budget. I will compare all companies’ rates and bring you the cheapest premium for the best insurance you can get.
Which insurance companies provide insurance for your hands?
You’ll be surprised to find that you can insure your ability to earn an income in case you hurt your hands with many insurance companies. They don’t normally advertise their products as purely “hands insurance” because they include this benefit in a more comprehensive insurance policy which they call “income protection” or “disability insurance”.
Many don’t know where to start, or what to ask for. We – as independent insurance brokers – compare the rates from multiple companies and find the right insurance benefit riders that would protect the assets you’re trying to protect.
What is needed to get your hands insured?
First, you need to be currently employed (yes – self-employment is also accepted). The insurance for your hands actually insures your INCOME, and will continue paying you a portion of your current income after an accident or illness that prevents you from working.
Second, you need to be insurable. If you’re currently unable to work, you can’t get hands insurance or income protection, if there’s no income to protect. If you had recent injuries or illnesses that caused you to take time off from work, you should expect that your insurance policy will have a temporary or permanent exclusion of affected organs/body parts.
How do I start coverage?
First, get a quote and work with your agent (me) to make sure you find a plan that works for you and you can afford. Then fill out an application and wait for the insurance company to approve you. Once a policy is approved and issued, you’ll pay the first premium. Monthly premiums are what the majority of insureds prefer, but annual premiums get a discount. Ask about the annual premium discount. If your policy is active (premiums are paid on time) when you get injured or sick and can’t work, the policy will start paying you a monthly benefit until either you recover, or until the end of the policy benefit period, or until retirement age (whichever comes first).
Get coverage today, when you’re healthy, before something happens!
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