Disability Insurance
Income Protection
Disability insurance protects your income in the event of your disability. With LTDI you can have peace of mind, knowing your income is protected.
Many people understand the need, and insure themselves from theft, fire and the risk of death… But, too often they are leaving an even greater risk totally unprotected, the risk of disability.
Even if you have group disability at work, it may not be enough. Because occupations and incomes vary widely, you’ll want a policy designed for you. Contact us to learn more, and get your no-cost, DI quote. (228) 875-5545 or contact us to request a financial consultation.
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Protect Your Income
Financially, owning disability insurance makes sense and cents. You’ve invested time and money into your career. Why not protect your income?
Consider these Disability Facts:
- One in four will suffer from a disability at some point in their lifetimes.
- For younger people, fifty percent of disabilities are caused by accidents.
- For older people, ninety percent are caused by illness or disease.
Unfortunately, you can’t count on luck. It’s better to be prepared. In insurance terms, disability insurance will replace a portion of your income should become disabled. You can protect your standard of living in the face of all-too-common events, such as a serious illness or an accident.
The only thing predictable in life is how unpredictable it can be. Expect the unexpected. Help protect your income with disability income insurance. #disabilityinsurance
Professionals and Physicians Disability Insurance
Professionals such as medical specialists and physicians will want to consider long-term disability insurance with a pure own-occupation definition of total disability, with medical specialty language to age 65. And, doctors may choose to extend coverage buy purchasing a graded lifetime extension benefit period offering lifetime protection.
Attorneys Own Occupation LTDI
Own-occupation disability insurance is available as a part of the policy or as a rider for attorneys. These policies have language specifically for legal professionals and lawyers. Long term, disability income insurance can cover attorneys in their specific line of work, and is only available through a limited number of insurance carriers. Learn more about disability insurance for attorneys.
Blue Collar and Non-Professional Employment
Simplified Issue Insurance plans specifically are designed for employed persons with annual incomes under $40,000.
This product features simplified issue underwriting, and requires no exams or labs on the part of the applicant, allowing for the insurance company to heavily discount the premiums because of the substantial savings from the lack of usual underwriting costs.
LTDI – Long Term Disability Insurance
Legacy Insurance Agency is an independent agency offering long term disability insurance. Protect your most valuable asset with disability insurance. LTDI is available to age 67
Disability Insurance helps you protect the things you love…
Think of all of the things your paycheck enables you to do. What would you do if you lost your ability to earn an income?
Disability Insurance = What if? Insurance
If you weren’t able to work, could you support yourself without your paycheck? Would your family or loved ones be able to live comfortably without your income? Chances are the answer to both questions is no.
Income is essential for almost all of us. And that’s why you have to protect your paycheck. A sensible place to start is with life and disability insurance. These benefits are easy and affordable ways to protect your income. And, to provide for your loved ones in the event that something should happen to you.
Business Disability Products
When the business owner is also the rain-maker, this insurance product helps ensure there is a business to return to after a sickness or injury. Overhead Expense will cover most deductible overhead expenses, including;
- Rent & Utilities
- Employee Salaries
- Insurance Premiums
- Business Equipment Expenses
Several optional riders allow you to truly fine-tune this product to meet the needs of your business. Premiums for this product are also deductible!
Disability Buy-Out
Whether you operate your business as a sole proprietor or you’re a business partner, it’s important that to have a business continuation plan in place with the proper means of funding should you or your partner(s) suffer a disability.
- Business Valuation Options Built into the Policy
- Several Optional Riders Available
- Lump-Sum, Down-Payment, or Monthly Installments Available
Find Out How You Can Own Disability Insurance
You can contact our office for a quick call or meeting online to learn more.
*Facts and statistics derived from the Social Security Administration