Personal Line Insurance

Ultimate Insurance Disability Insurance  

Disability insurance protects one's income in the case that he or she becomes disabled. Although you may have enough money in the bank to meet your short-term needs, what would happen if you were unable to work for months, or even years?
Disability is an unpredictable event, and if you become disabled, your ability to make a living could be restricted. The real value of disability insurance lies in its ability to protect you over the long haul.

There are 2 types:

Short-term disability insurance: This policy extends to not more than two years with a waiting period of zero to fourteen days.

Long-term disability insurance: Based on the premium amount, this policy can extend from a few years to your entire life. However, it has a long waiting period which can last several months.

An individual disability insurance policy has two types of protection features. With a non-cancelable policy, one can renew insurance every year at the same premium and coverage benefits. The insurance company has no right to deny renewal or cancel insurance except for the nonpayment of premium. However, in a guaranteed renewable policy, the insurance company holds the right to increase your premium with increasing cost.



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