Disability

Employers and employees often forget that one of their most important assets is their income. They don’t often think about what would happen if they lost the ability to earn that income due to an extended illness or recovery from a serious accident. As financially devastating as that risk might be, it is an insurable risk and can be covered by disability income insurance, disability buy-out insurance, and/or disability overhead expense insurance at a cost that is often below 4% of adjusted gross income.

Disability Insurance (DI) at Designs In Life is sold either as an individual policy or as a multi-life policy. Discounts of up to 20% are available on both types of policies depending on the carrier and the number of policies sold by the carrier.

We provide a full range of solutions for the possible risk that your client will become temporarily or permanently disabled and unable to earn all or part of his or her income. Our carriers have been carefully chosen to allow us to offer affordable plans of insurance for both the ‘white-‘and ‘blue-collar’ market. And, we have access to carriers that will provide coverage for special situations, such as impaired risk, professional athletes, and extensive foreign travel.

As DI is a type of health insurance, we provide you with a pre-assessment form that helps avoid a declined application and allows us to choose the best carrier for your client’s particular situation. We also provide an illustration request form for you convenience in requesting a proposal.

We take every DI application very seriously and process it accordingly. We know how important such coverage can be to an individual or a family when an unexpected debilitating accident or illness happens to the ‘breadwinner’.