As an insurance adjuster, you understand the importance of insurance, especially disability insurance. Because you deal with insurance claims every day, you know that your expertise and especially your income need to be protected at all times, and this can only be done through disability insurance.
What is Insurance Adjuster Disability Insurance
Insurance adjuster disability insurance is a safety net – it’s a financial tool designed to provide you with the protection you need if you find yourself injured or ill, and unable to work.
In today’s world, diseases and health conditions, even accidental injuries, can affect anyone at any time. There’s no defense against things like cancer, heart disease, arthritis or diabetes, and all of these medical conditions can leave you unable to work and earn a living. In cases like these, disability insurance is the only thing that can protect your valuable monthly income.
Why You Need Disability Insurance
Insurance adjusters play essential roles, providing customer service for those in emergency situations, disaster scenarios and more. You play a unique role – serving both the insurance company that employs you and the customers filing claims. As an insurance adjuster, you’ll earn somewhere between $40,000 and $100,000 per year depending on your experience, industry and other factors.
Of course, the bulk of that salary will go to meet your family’s financial obligations. You must pay for your home, whether that’s a monthly mortgage payment or ongoing rent. You must pay for the cars you drive, and for your utility costs. Where does that leave you if a disability strikes and you’re unable to work? Compare insurance adjuster disability insurance quotes now to ensure that you have your bases covered.
Are You at Risk?
Are you at risk for a disability? The answer is a resounding yes. In fact, one-third of all American workers are at risk of being disabled before they retire. Those are not good odds, and you’ll find that you need protection from more than just accidental injury. Medical conditions like cancer and heart disease are the real concerns here, and they can strike anyone, at any time. Compare insurance adjuster disability insurance quotes today and you can purchase the protection you need if an injury or medical condition were to prevent you from working.
How We Can Help
When you turn to us for help with disability insurance, we go to work on your behalf immediately. We have years of experience in this area and skilled professionals working tirelessly, so we can quickly help you find the coverage you need to ensure your financial stability and peace of mind. With our help, you can:
- Be able to review rates from leading providers of individual disability insurance to make an informed decision.
- Get quotes to compare to ensure that you’re getting the best possible coverage, at a rate that’s right for you.
- We’ll help you learn more about the options available to protect your income to ensure that you get the peace of mind and financial stability that you deserve.
How Disability Insurance Rates Are Formed
Insurance companies group occupations into specific classes based on documented risk for a particular job. These classes look at the hazards of your job and the difficulty returning to work following a long or short-term disability.
When you review insurance adjuster disability insurance policies, it’s important to understand what medical specialty you are being classified as. The difference in rates can be substantial if you’re not classified appropriately, so make sure you understand how and where your job is classified.
Compare Different Rates
With disability insurance, you’ll enjoy an ongoing stream of income from your insurer if you experience a qualifying disability. You can use that income to meet all of your financial obligations. However, you need to do more than just study out of pocket costs when you compare insurance adjuster disability insurance quotes.
When you compare quotes from disability insurance companies, consider things like the stated minimum and maximum benefit percentage, the optional coverage items, and even the company’s reputation for customer service.
How much coverage do you need?
The first step to finding out how much coverage you will need is to determine the minimum amount necessary for your living expenses monthly and your monthly income.
The coverage of your disability insurance policy should be close to the difference between the monthly expenses and expected income. It’s the amount that should be replaced by the monthly benefit from your disability insurance policy.
Short Term and Long Term Disability Insurance
When you purchase insurance adjuster disability insurance, you have 2 options to choose from short term or long term disability insurance.
Short term disability insurance is a policy that will provide coverage if you’re unable to work for a short period of time, typically several months. On the other hand, long term disability insurance policies provide coverage if your disability and/or illness prevents you from working for a longer period of time, usually several years.
Buy a Disability Insurance Policy While You’re Young
The price of your insurance policy depends on the risk of you filing an insurance claim and one of the primary factors that contribute to being graded as a higher risk person is your age. To save money in the long-term, the best option is to purchase disability insurance as early as possible. Each year you age is more money you’ll be paying out in premiums.
Why Choose Us
Our role in this process is simple – we provide you with the means to compare your options for insurance adjuster disability insurance. You can compare rates, disability definitions, coverage amounts and areas, and more, all at a glance. It’s never been simpler to make an informed decision regarding your protection.
We make it simple to compare your options – we’ve worked with professionals like you for many years, helping them to find the right combination of protection and affordability. We can do the same for you. Call us today at 1-877-221-6198 or use the form on this page to get in touch.