- Partner in a partnership
- A high income earner who is not sufficiently covered (underinsured) by your firm’s Group Long Term Disability plan
I can put my years of experience to work and advise you of the right insurance plan for your situation. Following are some of the things you may want to consider:
- It is important to purchase the “guaranteed future insurability” feature, which means that while you are working, you can increase the policy’s monthly disability income benefit as your salary grows, without needing to provide new evidence of medical insurability.
- Purchasing the “cost of living adjustment” rider, or COLA. This feature increases the benefit amount (usually 4%) when the insured is disabled and collecting benefits, to keep pace with inflation.
For more information about personal disability income insurance, and to get a personalized quote, please contact me, Cristy Jones, at Cristy Jones Insurance Services: (415) 460-1200 or email: email@example.com.