disability insurance

Protecting your income —
a small step for big peace of mind.

If there is one thing that is predicable—it is that life is NOT. Most people understand the importance of providing for their loved ones by purchasing life Insurance, but forget to take the step to insure their ability to bring in a paycheck should an unfortunate accident or illness occur. Disability insurance is your shield against the unexpected. Let our team of disability specialists help find a cost-effective option for you depending on the length and amount of coverage you may need.

Click through our approach below to see how we can help you get started today.

Fact Finding

After sitting down, discussing your goals, and asking a few preliminary health questions – we have two initial jobs. First, we conduct a Needs Analysis to determine what a beneficiary would need for income if something were to happen to you. We then look at the Human Life Value, which takes into consideration your income, tax rate, current insurance owned, and how many years until retirement. We are happy to discuss insurance needs independently, but encourage clients to consider them within the complete context of retirement planning and college funding so that we can maximize the efficiency of service and potential of complimentary products.

Research

As a locally-owned and independent company, we have the advantage of “shopping around” for competitive rates and coverage for your unique situation. We work with over 20 reputable carriers and have comprehensive experience with the nuances of each—for instance, some carriers may be stricter on certain health conditions, while others may not have the comprehensive coverage you may require. Our job is to find you the most cost-effective rate while making sure all of your potential needs are covered.

Implementation

Once we have selected a carrier, you will need to complete the application process. In almost all cases today, this can be done over the phone. Additionally, a physical exam may be required for coverage and the insurance company will call you directly to set this up. (Often times this can be done at your residence.) We will keep you informed throughout the entire process and are here to manage any questions along the way. Once the insurance company has approved the application, we will hand deliver your policy.

Annual Review

We encourage our clients to meet with us every year to conduct a review. During this time, we will touch on any changes that have occurred, such as a job change, death in the family, a newborn baby, inheritance, or new home. These changes all will affect your insurance needs and we will take a look at where we may need to adjust or add a policy. During this time we will also check to see if we need to convert or re-write an existing term insurance policy. This insurance review can be independent, or in conjunction with an overall retirement planning review.

Short term disability basics.

In most cases, short term disability will provide 50-70% of your weekly salary. This can eat into emergency savings before you know it.

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Could a disability happen to me?

Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire. We know, it’s staggering…and accidents are NOT usually the culprit. Back injuries, cancer, heart disease and other illnesses cause the majority of long-term absences. Make sure you are prepared.

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Your Disability Insurance Specialists

Robert W. Hensley, LUTCF
Member & Financial Advisor
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Robert S. Hensley, CLU, AIF®
Managing Member &
Financial Advisor
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SET UP TIME TO TALK, TODAY

Even if you don’t have dependents, losing your income can have a major effect on people you love. And disability insurance can be a lot more affordable than you might think.

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