Guardian's New ProVider Plus Disability Insurance Policy
by Steven L. Crawford

As of April 28th, 2008 Guardian will have a brand new individual disability insurance policy. Most of the time, when a company releases a new disability insurance contract it is to increase the rates for new consumers. This product however, is not about a rate increase. In fact, there are significant …

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 where you can look your wife or husband in the eyes and say it’s OK to retire now. …

Business Reducing Term Disability Insurance
by Paul Baader

As is quite common, many professionals after working as an employee for several years decide to strike out on their own to begin their own business venture. Whether you are starting from scratch or purchasing an existing business, a business loan is typically required to fund this investment. In many …