DISABILITY INSURANCE

Disability Insurance is an insurance product designed to replace a portion of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income. Every disability insurance policy from every insurance company is very different. This is not a product to simply shop for the most competitive rate. Contact us for expert advice.

Individual Long-term Disability Policies

1. Non-cancelable policy: your premiums are fixed over the term of the policy. The insurer cannot jack up the rates, decrease your benefits, cancel or refuse to renew the policy.
2. Guaranteed renewable policy: your premiums can be raised so long as the change affects an entire category of occupations, policyholders, etc.
3. Conditionally renewable policies: your premiums can go up and your coverage canceled in the event any conditions stated in the policy are triggered.

Group Disability Policies

There are two basic types: Short Term and Long Term insurance. Short term disability insurance is typically designed to provide benefits for 30 to 180 days. Long term disability insurance may provide benefits for 1 to 5 years or to age 65. They can be employer funded or sold as a voluntary benefit here in Florida.

We offer free custom quotes for any and all of our products. For many products we offer a free online quite, but if you do not see that option, please contact our office and we will be happy to create a custom quote for you. You can call our office today at (904) 262-7810 or toll free at (800) 324-3690 or click on the link below to send us an email.

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