How Do I Get a Disability Policy?
At Reynolds Benefits We Provide Personalized Guidance
We will show you the six most competitive carriers for your specialty, which contain the four key components we’ve spoken of, and will include any special programs or discounts available.
We will not offer service by a carrier that does not offer true own occupation definition of disability for the entire benefit period. This should be the first item that is verified. Ask to be shown the actual definition in your policy.
Ask if your policy is non-cancellable and renewable. Make sure you firmly understand the residual benefit. Learn how the guaranteed future purchase functions in your policy.
VIDEO #10: A CASE STUDY: HOW TO PROTECT YOUR ENTIRE CAREER
Runtime: 10:52
Click here for a video transcript.
At Reynolds Benefits We Provide Personalized Guidance
Additional factors to consider and understand fully so you know you’re protected.
- Is the policy portable?
- Is the premium guaranteed?
- Can the insurance company add any restrictions?
- Can the insurance company cancel my policy?
- Is the coverage adequate for my income?
- Are the monthly payments (benefits) enough to meet my financial obligations?
- Will my monthly payments sustain my current lifestyle?
- Is your benefit tax-free?
