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Disability Income Insurance Options in West Virginia
What would happen to you, your family, or your business if you suddenly could not work or produce an income due to an illness, injury, or accident?
Your income is the foundation of your expenses, future plans, and lifestyle.
If an unforseen caused you to become unable to work, your dreams and goals would be delayed or even canceled.
The effects could be devastating to your financial situation and this is why Deacon & Deacon Insurance Agency firmly believes in carrying a disability insurance contract from reputable, financially solid insurance carriers.
We are licensed with many carriers who provide coverage
Individual Disability Insurance Product Info
We firmly believe in own-occupation disability insurance coverage. It provides the most comprehensive long term disability insurance coverage available.
Do not be fooled by many insurance companies who try to sell you "modified" own-occupation contracts. Simply compare the definition of total disability which is shown in a quote, and you will see the difference. If a sickness or injury prevents you from performing the material and substantial duties of your occupation, real own-occ will pay you a total monthly benefit, even if you are able to work in some other capacity.
We firmly believe in non-cancellable and guaranteed renewable disability insurance provided by top carriers such as The Guardian Life Insurance Company.
This means that your premiums will stay the same until you reach the age of 65.
Premiums are based on occupation, sex, age, income level, and health history. There is every incentive in the world to buy long term disability insurance coverage at your current age, as rates go up each year.
Always make sure your disability insurance coverage is Non-Cancellable. You don't want to receive a huge rate increase later in the life of the policy, at a point in time where a new disability insurance policy is more difficult to obtain.
Call us today to schedule a consultation to discuss your options with us today.
Your income is the foundation of your expenses, future plans, and lifestyle.
If an unforseen caused you to become unable to work, your dreams and goals would be delayed or even canceled.
The effects could be devastating to your financial situation and this is why Deacon & Deacon Insurance Agency firmly believes in carrying a disability insurance contract from reputable, financially solid insurance carriers.
We are licensed with many carriers who provide coverage
Individual Disability Insurance Product Info
We firmly believe in own-occupation disability insurance coverage. It provides the most comprehensive long term disability insurance coverage available.
Do not be fooled by many insurance companies who try to sell you "modified" own-occupation contracts. Simply compare the definition of total disability which is shown in a quote, and you will see the difference. If a sickness or injury prevents you from performing the material and substantial duties of your occupation, real own-occ will pay you a total monthly benefit, even if you are able to work in some other capacity.
We firmly believe in non-cancellable and guaranteed renewable disability insurance provided by top carriers such as The Guardian Life Insurance Company.
This means that your premiums will stay the same until you reach the age of 65.
Premiums are based on occupation, sex, age, income level, and health history. There is every incentive in the world to buy long term disability insurance coverage at your current age, as rates go up each year.
Always make sure your disability insurance coverage is Non-Cancellable. You don't want to receive a huge rate increase later in the life of the policy, at a point in time where a new disability insurance policy is more difficult to obtain.
Call us today to schedule a consultation to discuss your options with us today.
