Disability Insurance

 

It helps to think of disability insurance as financial protection for your most valuable asset — the ability to work and earn a living.

Homeowner’s insurance protects where you live. Car insurance covers what you drive. Health insurance protects your well-being. But what protects your ability to earn an income? To protect your paycheck, there’s disability insurance. Disability insurance is designed to replace a percentage of the income you lose due to your inability to earn a paycheck. Having disability insurance means being able to buy food, pay bills, and cover household expenses while you’re unable to work. According to the Social Security Administration, more than 25 percent of Today’s 20-year-olds will experience a disabling event that prevents them from working for at least three months before retirement. And when you consider the most common causes of long-term disabilities, it’s not all surprising.

• Arthritis
• Back pain
• Cancer
• Depression
• Diabetes
• Heart disease
• Stroke

Disability income insurance is an intelligent investment for young, healthy individuals who want to secure their financial future. Without disability insurance, a bad accident, loss of vision, chronic condition, or Illness could cause financial hardship. Even a temporary disability can cause you to deplete your savings, fall behind on bills, and rack up debt.

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Dental Insurance

Dental Insurance 

According to a survey from Delta Dental, 85% of Americans believe oral health is critical to their overall health, and about 78% have dental coverage. When you consider the overall value of dental insurance, it's easy to understand why. It makes dental care more affordable. While you must brush and floss regularly, it's also necessary to supplement your efforts with regular professional care. Because dental insurance focuses on prevention, many services, such as preventive checkups and cleanings, are usually covered 100 percent. Dental insurance also helps reduce out-of-pocket costs for many procedures by sharing the cost with you. Without a dental plan, you would be responsible for the total cost of your treatment. Delta Dental helps you save even more money because we negotiate lower fees with our in-network dentists. With 3 out of 4 dentists participating nationwide, finding a dentist in our network is easy. See how much insurance can save you on dental care costs. In these examples, each person in a family of four makes two preventive visits and has a cavity filled over a year. Compare the costs for a family without insurance to those who have it:     Dental insurance makes protecting your entire family's oral and overall health much more accessible by helping you get the care you need and saving you money. Ensure you get the total value of dental insurance benefits by purchasing a plan and using your preventive care regularly.  

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Critical Illness Insurance

 

Critical Illness Insurance 

Many people select an individual critical illness insurance policy to lessen or eliminate the financial stress of a major illness. The policy pays a one-time lump sum benefit for a covered illness, with benefit amounts ranging from $5,000 to $75,000. Apply online in minutes and get an instant decision. Depending on your age, premiums can be as low as $5.69 a month!   What does Critical Illness Insurance cover?

• Heart attack
• Kidney (renal) failure
• Invasive cancer
• Coronary artery bypass surgery
• Angioplasty
• Advanced Alzheimer's disease
• Stroke
• Major organ transplant
• Paralysis
• Non-invasive cancer
• Coma

Having a critical illness policy benefits the ill and their family members. It can provide much-needed funds to pay the doctors and the hospital and keep your financial affairs in order as you mend. Buying individual coverage today begins with getting a personalized critical illness insurance quote online.  

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