 |
Disability
Why is InsurancePickle.com the smartest place to buy disability insurance?
- We represent more companies*.
- We offer more products.
- We have more knowledge.
- We provide more service.
But, the price isn't more. Since insurance is regulated, every source must sell the same plan for the same price. So stick around and we'll show you why we're the smartest place to buy.
Your income is doing a double job for you. It's providing today's basic necessities and luxuries as well as serving as the foundation of your future plans. As long as you have the ability to earn an income, you are hopefully able to pay your expenses and accumulate assets.
But what would happen if a disability should strike?
1. Your need for the basic necessities of life would continue.
2. Future needs for retirement, children's education, etc. would still exist.
3. Your desire for extras like a nice car, house, occasional vacation would potentially have to move over for increased medical bills.
Disability insurance may provide the income needed when you can’t.
The companies below all participate in the disability insurance market. Click on the ones that have a link to download a sample policy. We can represent all of these companies on your behalf -- at the same rate you'd get anywhere else.
|
Assurity Life
Illinois Mutual
Mass Mutual Life
Met Life (CA policy)
Principal
Union Central Life |
InsurancePickle.com will shop the best disability companies in the business for you. Insurance prices are fixed by law - you cannot find a better price anywhere for the same product.
The advantage of buying from us is that we are completely unbiased, because no insurance company pays for or subsidizes any of our marketing efforts or office space. If you do buy and you buy from us, the insurance company will compensate us -- you will never pay anything for our service. Our loyalty is to you, our potential client, and that is why we will never sell for just one company.
Also, do yourself a favor and choose one broker who can get you a handful of quotes to compare and explain them in a manner that you're comfortable with (we'd like it to be us, of course). The problem we see with using multiple brokers is that one might classify your occupation a little differently therby making comparing the quotes between companies difficult. Once you go through underwriting the underwriter will ultimately be the one to classify you correctly (again, regardless of what the quote says). Also, by adding and subtracting riders there are an infinite number of ways to quote them. We will never show you a better classification if we don't think there's a reasonable expectation that you can get it.
Finally, don't try to buy and/or shop for this coverage solely electronically. Pick up the phone and call us or the broker you choose to help you and ask questions. If you're buying this coverage solely on price you're kidding yourself. If you change the word "OR" to "AND" in an insurance policy it's the difference between you getting your claim paid and not. How much are those couple of letters worth to you? You never know if or how you might become disabled, but you can at least try to make sure you understand what you are buying.
*more companies at our disposal across all product lines in our experience doing business on the Internet. |
 |
