There are four key elements that are most often overlooked when it comes to putting together a disability insurance product for physicians and professionals.
- Mental and Nervous Disorders: what are the proper definitions the carrier should use
- Residual/Partial Benefits: If you were only restricted to work 1/2 days. you should get 1/2 day of benefits
- Cost of Living Rider
- Guaranteed Physical Insurability: If you are young, you want to make sure that you can be covered as you age if you need to make a change to your policy later in life.
As I explain further in this short video, these four areas and more should be discussed when building a disability plan that will last you a lifetime. Learn more in my quick video....
Physicians and professionals wanting more information about R&R Insurance's disability products should contact Donald Levings, 262-953-7124.
