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RECENT DISABILITY INSURANCE QUOTES


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We ran disability insurance quotes for the following occupation


Acupuncturist in Pennsylvania

General Comments –

We ran long term disability insurance quotes for you as an Acupuncturist.

Standard offers a very strong plan for Acupuncturists, in their Protector Essential contract.

The definition of total disability is “modified own occupation” – meaning that they will treat you as totally disabled for the entire benefit if you are unable to do the material and substantial duties of an Acupuncturist and just as long as you are not working in another job.

Other plans can require that you meet the requirement of being deemed to be unable to do any occupation. That wording is not as strong as the “modified own occupation” clause. It gives you much greater control and freedom. If you are unable to work as an acupuncturist, you might decide not to work and to focus on healing and recovery. The entire benefit of $6900 monthly would be paid to you in that case until you return to being able to do the duties of an Acupuncturist.

The price for the Standard Protector Essential plan is very good relative to other plans in the market as well (even if those other plans do not have the modified own occupation clause for the entire benefit period (to age 67).

We would recommend that plan in this case.

Keep in mind that reducing the monthly benefit or the benefit period would reduce the premium. We could also use a longer elimination period to reduce the cost of the disability insurance policy.

The Assurity policy does cost less per month but the definition of total disability would require that you are unable to do any occupation after the first two years of a claim. This is a tough definition to meet the requirements of disability for.


Focus Carrier: Standard
Monthly Premium: $482.76
Monthly Benefit: $6,900
State of Residence: Pennsylvania
Benefit Period: To age 67
Elimination Period: 90 days


Premiums for the various proposals that we ran for this individual.

Insurance Company/Product Name Benefit Period Monthly Benefit Monthly Premium Cost Per $100
Standard Protector Essential $ $482.76 (to age 67) $
Assurity Century+ $ $404.84 $
Ohio National ContinuON $ $654.07 $


You can view the actual sample policies for the plans. Please review these to learn more about each policy.

Sample Policy
Standard Protector Essential Specimen Policy
Assurity Century+ Specimen Policy
Ohio National ContinuON Specimen Policy





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*Due to specific marketing agreements that we have with various companies, some company quotes are not shown. This does not mean that we did not and cannot quote these companies. Contact us to receive more details and to see specific quotes for these companies.

MOST RECENT TERM LIFE INSURANCE QUOTES BY OUR VISITORS


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We ran disability insurance quotes for the following occupation


Acupuncturist in Pennsylvania

General Comments –

We ran long term disability insurance quotes for you as an Acupuncturist.

Standard offers a very strong plan for Acupuncturists, in their Protector Essential contract.

The definition of total disability is “modified own occupation” – meaning that they will treat you as totally disabled for the entire benefit if you are unable to do the material and substantial duties of an Acupuncturist and just as long as you are not working in another job.

Other plans can require that you meet the requirement of being deemed to be unable to do any occupation. That wording is not as strong as the “modified own occupation” clause. It gives you much greater control and freedom. If you are unable to work as an acupuncturist, you might decide not to work and to focus on healing and recovery. The entire benefit of $6900 monthly would be paid to you in that case until you return to being able to do the duties of an Acupuncturist.

The price for the Standard Protector Essential plan is very good relative to other plans in the market as well (even if those other plans do not have the modified own occupation clause for the entire benefit period (to age 67).

We would recommend that plan in this case.

Keep in mind that reducing the monthly benefit or the benefit period would reduce the premium. We could also use a longer elimination period to reduce the cost of the disability insurance policy.

The Assurity policy does cost less per month but the definition of total disability would require that you are unable to do any occupation after the first two years of a claim. This is a tough definition to meet the requirements of disability for.


Focus Carrier: Standard
Monthly Premium: $482.76
Monthly Benefit: $6,900
State of Residence: Pennsylvania
Benefit Period: To age 67
Elimination Period: 90 days


Premiums for the various proposals that we ran for this individual.

Insurance Company/Product Name Benefit Period Monthly Benefit Monthly Premium Cost Per $100
Standard Protector Essential $ $482.76 (to age 67) $
Assurity Century+ $ $404.84 $
Ohio National ContinuON $ $654.07 $


You can view the actual sample policies for the plans. Please review these to learn more about each policy.

Sample Policy
Standard Protector Essential Specimen Policy
Assurity Century+ Specimen Policy
Ohio National ContinuON Specimen Policy





← Back to All Listings



*Due to specific marketing agreements that we have with various companies, some company quotes are not shown. This does not mean that we did not and cannot quote these companies. Contact us to receive more details and to see specific quotes for these companies.

MEET THE OWNERS

Meet our agents    Joe Capone, ChFC ®, LUTCF

Joe Capone, ChFC ®, LUTCF

Co-Owner, Insurance Broker

Joe has been an insurance broker for over 10 years. Licensed in all 50 states. Combining his web development expertise with running an online insurance brokerage, Joe has become one of the top term life and disability insurance for physicians and dentists agents in the nation.

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Meet our agents    Rick Warren Jr., MBA

Rick Warren Jr., MBA

Co-Owner, Insurance Broker

Rick has over 8 years of experience in the insurance business. An absolute expert when it comes to understanding policy terms and language. Rick helps
Physicians and Dentists and people in other occupations to secure high quality Term Life Insurance and Own Occupation Disability Insurance. Licensed in all 50 states.

Contact this Agent