All about Disability Insurance!

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All about Disability Insurance 

Individual Disability Insurance is a great idea.  It is Insurance designed to replace anywhere from 40-60% of your gross income on a tax-free basis should you become Sick or Ill and keeps you from earning an income. All policies are different and it is very detailed so you can’t really shop online for it. You have to contact an Insurance Broker to find out exactly what you need and expect from the policy. If you work in an office, your premiums will most likely be lower than an Iron worker and vise versa. There is Own Occupation which is the most comprehensive you can get. There are other policies like Income Replacement and Gainful Occupation that pay less but that is the best reason to call someone and discuss your options. No one expects to become Disabled, but it happens and there is Insurance for it. You can also use riders to Life Insurance policies and Annuity contracts that can accomplish the same coverage.

Jack Fleming – Ins. Broker


Single-Payer Health Care

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Vermont Becomes First State to Pass Single-Payer Health Care – National – The Atlantic Wire

Great article about what Vermont is doing to help its
citizens have Affordable Health Care and help start a
National trend. There are many many programs that are
out there for review and each plan works differently so
the big question is, Will it work? We will follow these
developments and report in the future about Vermont’s
legislation. When I was in the Military and went to other
countries, you could actually walk into a Pharmacy and
tell your symptoms and walk out with medicine. The
whole population paid what equals to 10% of their annual
income for Healthcare. It didn’t really matter whether you
were rich or poor, you had Healthcare that was available
to you. Of course, that country was not populated with
the Worlds highest Obese population. Also most of the
citizens did eat healthy and were happy. I am really
concerned about the future of Healthcare in the US due
to the big Corporations taking over Hospitals and on
the other hand, Insurance Companies. There is still
instances of the term Medical Bankruptcy that is always
out there and some of us know people this has happened
to, so please folks, Get Healthcare and take care of
yourself. By the way, I also like Maple Syrup!!

Jack Fleming Ins. Broker

Family Health Insurance

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                     Family Health Insurance
family
The Family policies you can find on my website are
specifically designed for growing families. All you
have to do is log onto Comrade Financial Group and
select your plan, select your carrier, select your coverage
and then you can apply online and have coverage for
the ones you love. If your budget is tight, don’t let
that be a deterrent. We are Insurance brokers that
basically take your information, and then find the
best plan that suits your needs. Through negotiated
contract rates for national carriers, we can offer the
most competitive quotes in the industry. Insurance
policies are like homes or cars, one size does not fit
all, contrary to popular belief. Your needs as a family
are constantly changing and we are here for you so
call and log on for a free quote.
Jack Fleming Ins. Broker