Ask the Expert: Disability Insurance Q&A with Industry Expert Steve CrawfordI recently spoke with Steve Crawford, President of Guardian Disability Insurance Brokerage based in Rockville, MD. He has been one of Guardian’s leading disability insurance producers nationwide for over a decade. Our discussion ranged over specialized topics I thought my readers would find interesting. In particular, we discussed how diabetics can get the best disability insurance policies, since many of my readers have diabetes and Steve is a diabetic himself.Richard...
2012/05/05
2012/04/28
2:00 PM
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Disability Insurance: The Basicsby Richard F. O’Boyle, Jr. LUTCF, MBADisability insurance, also called “disability income protection” or “disability income insurance,” is designed to pay you a monthly income in the event that you can’t work due to physical or mental incapacity.Disability insurance can be one of the most difficult policies to understand, which makes it especially aggravating since most people who need it the most can be turned off by its perceived complexity. It’s advisable to thoroughly understand your disability insurance policy...
2012/03/16
6:33 AM
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“Retirementology: Rethinking the American Dream in a New Economy” by Gregory Salsbury, Ph.D.Review by Richard F. O'Boyle, Jr., LUTCF, MBAThere are literally hundreds if not thousands of books that try to tell you the “what, when and how much” of retirement planning, but few can tell us the “why.” “Retirementology: Rethinking the American Dream in a New Economy” by Gregory Salsbury, Ph.D. introduces the reader to the up-and-coming field of “investor psychology” which helps to explain why we treat money the way we do.We all make mistakes – and this...
6:13 AM
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By Richard F. O’Boyle, Jr., LUTCF, MBADid you know that it’s possible to backdate a life insurance application to lock in a younger age? Most life insurance companies use what they call “insurance age” when calculating your initial monthly and annual premium. You get a year older six months before your actual birthday.Each year you wait to buy insurance, the premium rises a little. But if you can lock in a slightly lower rate for 20+ years, that would save you money over time. Once your policy is issued, your rate is locked in for your whole life...
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