Disability Insurance To Protect Your Family
by Steve Crawford

It is common for new parents to think about buying some life insurance when they have their first child, but how many of us thought about getting individual disability insurance? Individual disability insurance is designed to protect your income depending on the policy you purchase. It will pay you …

Top 3 Mistakes People Make Buying Disability Insurance
by William Olmsted

In 2008, my office submitted over 1800 applications for individual long term disability insurance with major insurance companies. In doing so, I’ve seen many mistakes that people make once they’ve decided to apply for coverage and protect their income. I’d like to share the top 3, and why they can be …

The Bleak Future of Social Security Disability Benefits
by Thomas Lloyd

Think you can depend on social security for a disability benefit? If so, I have some Enron stock to sell you. The worsening state of affairs at the chronically under funded Social Security Administration (SSA) should draw legitimate concern for any American who thinks they can depend on sufficient …

Disability Insurance For The Fee-For-Service Professional
by Thomas Lloyd

Increasingly in today’s business world, more individuals are generating their income not by a fixed salary but based solely on a fee-for-service time frame or billable hours. Whether you’re a 1099 small business owner/consultant that contracts their services out to a company or a lawyer that bills his …

Are You Ready For Instant Retirement?
by Steven L. Crawford

Many of us put the maximum amount we can into our 401(k)s, have mutual funds that we are funding regularly, defined contribution or defined benefit plans, and have spent a lot of time preparing for that wonderful day when we can look our spouse in the eyes and say it’s okay to retire now. Can you imagine …