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Monday, May 7, 2012

But What if you Live?????

Life insurance will help your loved ones when you are gone, but what if you become Disabled?  You may not be able to work.  You will lose income.  You will have high medical bills.  A very devastating situtation.

The Insurance Information Institute has provided some advice to help you with your consideration of Disability Insurance.  Disablity insurance complements your health insurance to provide a replacement for lost income if you become hurt and unable to work.  There are Short Term and Long Term policies available and many allow for a cost of living adjustment.  Disability premiums are based on your age, sex, occupation and the amount of potential lost income you are trying to protect.

You can save money on your premiums by requesting a longer waiting period before benefits begin, as an example, you can choose to begin after 60-90 days of disablity, instead of after 30 days.  You can also save money if you choose an age to end the benefits, instead of requesting "lifetime" benefits. 

To help you through the maze of coverages, carriers, premiums, and ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ / / , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Wendy Johnson, Denise Russell, Melissa Moran, Alex Treutel, Kayleigh Davis, Matthew Langlinais, Anne Gillam, Ashlie Moody, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: atreutel@southgroup.net , phone:228-466-4498, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel !

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.

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