Have a specific question that you do not see listed below? Feel free to ask us by calling 702-888-0702.
This is the question we get asked the most. There is not a predetermined premium for protective coverage. Each policy is customized to meet the individual needs of each client. Our goal is to help you design a plan to give you and your family the most peace of mind for a premium you can afford.
Yes. Just because someone is on a medication does not automatically disqualify from getting coverage, nor does it mean that the coverage will be unaffordable. We work with carriers in the business of insuring everyday Middle American clients. When you contact us to make your appointment, please inform us of current prescribed medications so that we can provide you with an accurate list of available options.
We only represent stable carriers. A list of the carriers that we represent and their ratings can be seen on our Insurance Carriers page.
Depending on the carrier, insurance can be purchased for anyone from newborns up to 85 years young. Some restrictions may apply — contact us for details.
Yes. Keep in mind however that disability insurance is not designed to replace your full income. Pay outs and waiting periods will vary.
Non-medical carriers are available, however it may be in your best interest to get a physical if you are a person of average or above average health. While nobody is guaranteed a policy, having a physical on record may improve your rates. Your health is what buys the insurance, money just pays for it
No. With annuities, the possibility of risk in a volatile market is eliminated. These products come with a guaranteed minimum interest rate, so you can have the upside potential of a more aggressive investment without the risk of being tied to the market.
No. Premiums are generally paid on an individual basis. Please contact your tax professional with any questions you may have.