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Life and Disability Insurance

Buying a life and disability insurance policy can be a very tricky and expensive business. With various plans to choose from, the hardest part is understanding these plans and their differences and selecting one that offers the best deal.

At Advantage SBS, we understand this problem and aim to provide our customers the best possible insurance coverage for the best possible price.

Tips on buying the right life and disability insurance policy.

After you have decided that you need a life and disability insurance coverage, the next thing you must do is identify exactly for what purpose you require coverage. Your purpose for buying insurance will then determine what type of insurance product you must buy.

Here are a few essential questions you need to ask yourself before purchasing a life and disability insurance product:

  • What is the purpose for purchasing a life and disability insurance?
  • How much life and/or disability insurance coverage do I presently have?
  • How much insurance coverage do I require?

Next, ask the insurance provider the following questions to determine if the insurance coverage you have selected is indeed the best one:

  • Are there any limitations or conditions applicable to the plan?
  • How do you define disability?
  • In case I become disabled, what percentage of my income at the time of disability will you replace?
  • Will I be given a fixed amount?
  • What illnesses or injuries are excluded from my plan?
  • Is it possible for increase my coverage at any time? If yes, then will I be required to undergo a medical examination?
  • Will the payout money automatically increase with an increase in my earnings?
  • What will happen if I’m unable to pay the premium for a short period of time?
  • What is the procedure for making a claim?
  • What is the time frame for a claim settlement?

What does Advantage SBS offer?

Choosing a life and disability insurance policy can indeed be a time-consuming and energy sapping process. The worst part is even after putting effort and time in this process, you may not end up with the right coverage.

Through our network of more than 150 national and regional carriers, we assist our clients in purchasing an insurance product that best answers their insurance needs.

Our experts will make the otherwise grinding process of purchasing an insurance product a seamless one. Get in touch with us today to purchase the best life and disability insurance solution.

To learn more about Life and Disability Insurance available through Advantage SBS or to speak with a representative, contact us today at (888) 762-2075 or complete our quote request form here.