Page 10 – The Bloch Agency

Family-Owned Business and Disability Insurance

Thu, 13 Feb 2025 13:22:00 GMT

Have you ever thought, Who should have disability insurance? If you run a family-owned business, it’s especially important. Not only do you employ family members, but what happens if one of them becomes disabled? Are you just going to stop paying them? You wouldn’t want to let a family member suffer, would you?

The good news is, with group long-term disability insurance, you can get guaranteed issue coverage. That means you don’t have to worry about health questions or individual underwriting, making it easier to ensure that your entire team, including family, is protected in case the unexpected happens. This not only safeguards your business, but it also brings peace of mind to all family members, knowing they’re covered no matter what.

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It’s 2025, time to sell some Disability Insurance

Wed, 12 Feb 2025 09:18:00 GMT

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Disability In the News: Jen Hale

Tue, 11 Feb 2025 10:08:00 GMT

February is American Heart Month ❤️—Are You Prepared for the Unexpected?

At just 38 years old, NFL sideline reporter Jen Hale was diagnosed with dilated cardiomyopathy, a serious heart condition that could have ended her career. She was young, successful, and healthy—until she wasn’t.

Her story is a powerful reminder that none of us know what the future holds, especially when it comes to our health. That’s why securing disability insurance while you’re young and healthy is so critical.

By the time a health issue appears in your 30s or 40s, it may be too late to get the coverage you need. Locking in disability insurance early ensures that if the unexpected happens, your income—and your financial future—are protected.

Your health can change in an instant, but your financial security doesn’t have to. Take control now, before life throws you a curveball.

#AmericanHeartMonth ❤️ #DisabilityInsurance #IncomeProtection #HeartHealth #BePrepared #InsuranceMatters #FinancialPlanning #ProtectYourFuture

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Doing handiwork can bite back

Mon, 10 Feb 2025 09:42:00 GMT

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Why Healthy People Need Disability and Critical Illness Insurance

Fri, 07 Feb 2025 18:55:00 GMT

Many people assume that insurance is something you need only when you’re older or already facing health issues. But the truth is, the best time to get disability insurance and critical illness insurance is when you’re young and healthy. Why? Because life is unpredictable, and a serious illness or injury can happen at any time. Having the right coverage in place ensures that if something happens, you can focus on your health without worrying about financial ruin.

The Unexpected Can Happen—Even in Your 40s

Imagine this: You’re in your early 30s-40s, thriving in your career, financially stable, and enjoying life. Then, out of nowhere, you’re diagnosed with cancer. While treatments offer hope, they also come with time off work, medical expenses, and reduced energy for daily responsibilities. Suddenly, your financial stability is at risk.

This is where critical illness insurance and disability insurance work together to protect you.

How Critical Illness Insurance Helps

A critical illness insurance policy provides a lump sum payout upon diagnosis of a covered illness, such as cancer, heart attack, or stroke. This money can be used for:

Unlike health insurance, which pays medical providers, this money goes directly to you, offering financial flexibility to manage your life while dealing with your illness.

The Role of Disability Insurance and the Residual Rider

While critical illness insurance provides an immediate financial cushion, disability insurance ensures ongoing income protection. However, many people misunderstand how disability insurance works. You may not be totally disabled immediately after diagnosis—you might still be able to work reduced hours or in a limited capacity.

This is where the residual disability rider comes in. If your illness reduces your ability to work but doesn’t completely prevent you from working, this rider provides partial income replacement based on your lost earnings. As your condition worsens and you become totally disabled , your full disability benefits will take effect.

Maintaining Your Lifestyle Even with a Terminal Diagnosis

A terminal diagnosis doesn’t mean financial ruin. By using a critical illness payout alongside a disability policy with a residual rider , you can:

Why Buy These Policies While Healthy?

The best time to purchase critical illness and disability insurance is before you need them. Insurance companies base your premiums and eligibility on your current health. If you wait until after a diagnosis, it may be too late to qualify or the cost may be significantly higher.

Final Thoughts

No one expects to face a life-altering illness in their 30s-40s, but preparing for the unexpected is the best way to safeguard your financial future. Disability insurance and critical illness insurance work together to provide financial stability, ensuring that even in the worst-case scenario, you can maintain your lifestyle and focus on what truly matters—your health and your loved ones.

If you’re healthy now, take advantage of that and secure your coverage today. Your future self will thank you.

#InsurancePlanning #DisabilityInsurance #CriticalIllness #FinancialSecurity #PlanForTheUnexpected

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Living life because you are protected

Thu, 06 Feb 2025 10:40:00 GMT

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Is GoFundMe the answer?

Mon, 03 Feb 2025 09:38:00 GMT

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Protecting the Golden Goose

Fri, 31 Jan 2025 12:36:00 GMT

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Disability Insurance – What would happen if…

Mon, 27 Jan 2025 10:32:00 GMT

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Income Protection Insurance – Three mistakes MBA Candidates Make

Thu, 23 Jan 2025 10:30:00 GMT

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The Importance of Personal Disability Insurance for MBA Students

Tue, 21 Jan 2025 15:23:00 GMT

MBA students invest heavily in their education, aiming for lucrative careers and financial stability. However, unforeseen circumstances such as disability can disrupt these plans. Relying solely on employer-sponsored Group Long-Term Disability (LTD) insurance is risky and often insufficient. This essay explores why MBA students should secure personal disability insurance to protect their future incomes.

Limitations of Employer-Sponsored Group LTD Insurance

Advantages of Personal Disability Insurance

Conclusion

MBA students must recognize the limitations of employer-sponsored Group LTD insurance and take proactive steps to secure their financial futures. Personal disability insurance offers comprehensive, portable, and reliable coverage that can safeguard their anticipated high incomes. By investing in personal disability insurance, MBA graduates can ensure that their hard-earned financial stability is protected against the uncertainties of life.

Call to Action

MBA students should consult with financial advisors to explore personal disability insurance options that best suit their needs. Taking this step is crucial in building a robust financial safety net that supports their long-term career and financial goals.

By understanding and addressing the limitations of employer-sponsored LTD insurance, MBA students can make informed decisions to protect their future incomes effectively.

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DI In the News: Actress Kimberly Williams-Paisley

Thu, 16 Jan 2025 15:16:00 GMT

Actress Kimberly Williams-Paisley, age 53, underwent a remarkable throat surgery after being unable to speak for two years. In November 2022, she suddenly lost her voice, only able to make sounds barely above a whisper. After a successful three-hour surgery, she has regained her ability to speak.

Now, imagine you’re a sales consultant who spends all day talking to clients, and suddenly you can’t speak anymore. Could you still do your job? What if you were a trial attorney and lost your voice—how would that impact your career? Or consider a CEO who is constantly on the phone with employees and staff, and one day, they can no longer talk. How would that affect their role? There are times when you need to pick up the phone and have a conversation, and emails just won’t suffice.

Being out of work for two years could significantly deplete your lifetime savings. This is why disability insurance is so crucial—it acts as a paycheck when you can’t work due to an injury or illness.

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DI in the News

Mon, 13 Jan 2025 22:08:00 GMT

Imagine being disabled for 11 years due to Strep A. Think it can’t happen?

In 2013, Alex Lewis, a 42-year-old father woke up in pain with his skin turning purple. Initially, he thought he had the “man flu,” but five weeks later, his organs began to shut down. Doctors discovered he had contracted Strep A toxic shock syndrome, septicemia, and necrotizing fasciitis. To save his life, they had to amputate both his arms and legs.

After six months in the hospital and 18 operations, including lip reconstruction, he was finally released. He revealed that it costs him nearly $85,000 to $110,000 a year to maintain his wheelchair and prosthetics.

While this is an extreme case, many disabilities can be severe. However, there is a way to secure additional monthly benefits in such situations. You can opt for a Catastrophic Rider, which provides extra benefits if you lose the ability to perform two Activities of Daily Living. This rider is relatively inexpensive to add and can be very worthwhile.

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DI In The News: In the United States, lung cancer diagnoses are increasing among young and middle-aged women at higher rates than among men.

Fri, 06 Dec 2024 22:32:00 GMT

A recent article highlights a concerning trend in the United States: young and middle-aged women are being diagnosed with lung cancer at higher rates than men.

“Lung cancer is clearly increasing in never-smokers,” said Dr. Helena Yu, a thoracic medical oncologist and early drug development specialist at Memorial Sloan Kettering Cancer Center.

“So 20% of lung cancers that are diagnosed this year and more recently are in never-smokers – and that equates to like 40,000 cases a year,” she said. “Then 1 out of 5 people who die of lung cancer now are never-smokers, too. So we’re seeing an increased diagnosis but also a death rate that’s keeping up with that.”

Critical Illness policies are a solid part along with Long-Term Disability insurance for a financial foundation. Coverage is easy. Online application and anything under $75,000 is simplified underwriting. I got my family covered in 24 hours.

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DI In The News: – James Van Der Beek

Tue, 03 Dec 2024 19:42:00 GMT

I was recently reading an article about actor, James Van Der Beek– age 47, talking about the financial toll that cancer takes on patients including himself. He is married with 6 children ages 14-3.

I did a quick search and found that his net worth is estimated to be around $8 million. If he’s concerned about the financial impact of cancer, imagine the strain it puts on families with much less. This is why having a Critical Illness policy is so crucial. It can be a key part of your financial foundation. While some might not worry about long-term disability, the fear of a cancer diagnosis is real. A Critical Illness policy can help cover all your health insurance deductibles, so you don’t have to dip into your savings.

Cancer can hit anyone, does not matter about your health. Van Der Beek said, “I’d always associated cancer with age and with unhealthy, sedentary lifestyles. But I was in amazing cardiovascular shape. I tried to eat healthy — or as far as I knew it at the time.”

A Critical Illness policy can keep your financial house from crumbling down.

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DI in the News: I Suffer From The Most Painful Condition Known To Medicine — And My Life Is A Nightmare

Fri, 15 Nov 2024 20:43:00 GMT

How can you go from throwing a football in the spring of 2002 to having the most painful condition known to medicine, with your life forever changed? Alex Hankin Hart ended up with a fractured finger, sprained wrist, and damaged rotator cuff. After being in a cast and having it removed, she went to wash her hands, and the next thing she knew, everything went black. She had passed out from the pain of washing her hands.

She was diagnosed with complex regional pain syndrome (CRPS), a poorly understood form of pain that is severe, chronic, and debilitating. Although most cases are triggered by an injury, the resulting pain is much more severe and long-lasting than normal. CRPS makes her skin feel like it’s on fire on the inside yet freezing cold on the outside. Though CRPS typically affects the body part or region that was injured, hers has progressed to encompass her entire body.

An estimated 200,000 Americans are struggling with this condition, which the McGill Pain Index lists as the most painful condition known to medicine. It is considered more painful than fibromyalgia or giving birth — even more painful than amputating a finger without anesthesia.

There is no cure for CRPS. Even worse, doctors can’t seem to agree on what causes it.

From her FB: I’m amazed I was able to go from being at this point in my life to being able to hold down a part-time job where I walk the equivalent of 1.5mi/day without a cane.

Yes, I’m still in pain but ketamine infusions every 6 weeks and remembering to do at least some of the stuff I learned at Cleveland Clinic have been literal life savers. Last year was a “good year” because we “only” paid $10,000 out of pocket for my medical appointments, prescriptions and one round of ketamine infusions. I spent an additional $5,200 on medical cannabis.

Imagine not being able to work for over 20 years or even having to work part-time. It’s a disability that isn’t visible. This does not show up on an X-Ray or MRI, it is not easy to prove. She ‘only’ had to spend $10,000 out of pocket for her medical appointments. How much of her savings do you think she has used? CRPS makes working nearly impossible.

Disability insurance should be a part of every working person’s budget. You never know what life will bring or how long a disability might last. Protect your income!

The post DI in the News: I Suffer From The Most Painful Condition Known To Medicine — And My Life Is A Nightmare appeared first on The Bloch Agency .

Have you ever considered what would happen if you became disabled and didn’t have disability insurance?

Wed, 13 Nov 2024 18:42:00 GMT

Have you ever considered what would happen if you became disabled and didn’t have disability insurance?

When people become disabled and their incomes stop, they often face a range of significant challenges:

Financial Hardship: Many disabled individuals experience a sharp decline in income, leading to difficulties in affording basic necessities like food, housing, and healthcare.
Increased Medical Expenses: Disabilities often come with high medical costs, including ongoing treatments, medications, and adaptive equipment. These expenses can rapidly drain savings and heighten financial stress.
Employment Barriers: Finding and maintaining employment can be challenging due to physical limitations, discrimination, and lack of workplace accommodations. This can additionally restrict their income and career prospects.
Social Isolation: Disabilities can lead to social isolation due to mobility issues, lack of accessible transportation, and societal stigma. This isolation can negatively impact mental health and overall well-being.
Dependence on Benefits: Many rely on government benefits, which can be insufficient and come with strict eligibility criteria.

These challenges highlight the importance of comprehensive support systems and policies to help disabled individuals maintain their quality of life and financial stability.

The post Have you ever considered what would happen if you became disabled and didn’t have disability insurance? appeared first on The Bloch Agency .

DI in The News – Jeffrey Guan

Mon, 11 Nov 2024 18:38:00 GMT

Professional golfer Jeffrey Guan, age 20, recently faced an unimaginable setback that will impact his life both on and off the course. However, he is determined not to let it stop him from pursuing his dream of becoming a household name in the sport.

Guan made his PGA Tour debut in September at the Procore Championship. Just a week later, during a qualifier, he was struck in the left eye by an errant tee shot. He was immediately taken to a local hospital for surgery and then airlifted to another hospital, where he spent two weeks in intensive care.

Despite prompt medical attention, Guan suffered multiple fractures around his left eye socket and completely lost vision in the eye. He faces an estimated six to twelve months of healing and recovery, with doctors advising that he cannot even think about swinging a golf club for at least six months. Additionally, he is likely to undergo more surgeries in the coming months to repair the damage around his left eye.

For athletes, we rely on Lloyd’s of London. Regardless of their age, athletes are not immune to disabilities and need protection. This includes student-athletes with NIL deals, as that income should be safeguarded with disability insurance.

Young people also need disability insurance. Their premiums are typically very affordable due to lower risk, but the risk still exists. And underwriting is more simplified.

The post DI in The News – Jeffrey Guan appeared first on The Bloch Agency .

Fri, 01 Nov 2024 08:43:00 GMT

Did you know? Disability insurance goes beyond the physical: It also protects against mental health challenges and chronic illnesses that could keep you from your work. Stay covered on all fronts!

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Thu, 31 Oct 2024 14:43:00 GMT

Accidents happen…hope she had disability insurance.

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DI in the News – Olympic Edition

Tue, 29 Oct 2024 10:36:00 GMT

Six-time Olympic cycling champion Chris Hoy, age 48, revealed Saturday that he has terminal cancer and has been told by doctors he has “two to four years” to live. A scan revealed primary cancer in his prostate which metastasised to his shoulder, pelvis, hip, spine and ribs.

Combining Critical Illness insurance and Individual Disability insurance can provide a robust financial safety net in case of serious health issues or injuries. Here’s why:

Critical Illness – Lump Sum payments and coverages for major illnesses

Individual Disability Insurance – To have Income replacement in case you cannot work while getting treatment due to the cancer. You also have long-term income security.

By combining the two, the Critical Illness coverage can help your finances while you go through your Individual Disability Insurance elimination period. Together, these insurances cover both immediate and ongoing financial needs, helping you manage large medical expenses and maintain your standard of living.

By having both types of insurance, you can better safeguard your finances against the unpredictable nature of serious health issues and disabilities.

The post DI in the News – Olympic Edition appeared first on The Bloch Agency .

Why Risk it?

Mon, 28 Oct 2024 14:41:00 GMT

Becoming disabled can limit your earning potential. Avoid the scary stuff.

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Disability in the News:

Fri, 25 Oct 2024 14:38:00 GMT

Singer-songwriter Matthew Sweet, age 60, suffered a debilitating stroke while on tour in mid-October.

He will be at a specialized rehabilitation center, where he will receive around-the-clock care and therapy for six weeks. He will then require months of treatment and rehabilitation that we hope will lead to a full recovery. Needless to say, the costs for all of this treatment will be overwhelming. We anticipate a total close to a quarter of a million dollars.

As we age, the likelihood of experiencing health issues that could impact our ability to work increases. Despite this, many older adults overlook the importance of individual disability insurance. Here are several reasons why maintaining this coverage is crucial, even in later years.

-Financial Security

-Protection Against Unexpected Health Issues

-Maintaining Quality of Life

-Peace of Mind

With anticipated costs up to $250k in medical expenses, how long would a life-time of savings last under those expected bills? Individual Disability Insurance would help the monthly income coming in and help pay those future bills and not deplete a life-time of saving.

The post Disability in the News: appeared first on The Bloch Agency .

Thu, 24 Oct 2024 19:05:00 GMT

Residual coverage is a valuable benefit for individuals returning to work after a disability. One can receive a portion of their benefits even if they can only work part-time or with reduced duties. It can help bridge the income gap caused due to reduced earning capacity, making the transition back to work smoother and more sustainable.

Give us a call and we can help you determine if this is a benefit you can include in your plan.

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Keeping Your Lifestyle Stable, Even When Life Isn’t 🛡️

Wed, 23 Oct 2024 11:48:00 GMT

Life’s unpredictable journey can take unexpected turns, affecting not just our health but our ability to maintain the lifestyle we’ve worked so hard to build. The question often lingers: “If I become disabled and can’t work, how will my life change?”

Think of disability insurance not just as a safety net, but as income insurance. It’s about ensuring that, should the unforeseen happen, your ‘income’ continues to flow, keeping your lifestyle stable and your peace of mind intact.

Because it’s not just about if you can keep going—it’s about ensuring you can without compromise. ��

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‘It could happen to anybody’

Tue, 22 Oct 2024 17:50:00 GMT

Joe Casey, 54, has been on a ventilator in intensive care since early August when he tested positive for three mosquito-borne viruses — Eastern equine encephalitis (EEE), St. Louis encephalitis and West Nile virus, according to a fundraiser by his family. doctors are not yet sure which of the three is to blame for swelling in his brain that is so severe, the Kensington dad is barely able to communicate with his wife, Kim, and their four kids.

Casey has been in the ICU on a ventilator under 24-hour care, and has also undergone a tracheotomy. “Joe is going to have to go a long-term care and patient rehabilitation, that’s going to be 24-hour care, and really want to get the word out to help this incredible family,” sister-in-law Angela Barker said.

A lot of people think a car accident or something worse will stop them from work and not maying a paycheck. It can be something as small as a bug bite that leads to a long-term disability. This is the reason why protecting your income is a must. You never know what will cause a disability. Protect yourself. Do not let a disability ruin years of savings. Disability Insurance will be your paycheck when you cannot work due to an accident or sickness.

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DI In the News: Life can change in a blind of an eye

Sat, 19 Oct 2024 17:40:00 GMT

“I’m not joking when I say your life can change in the blink of an eye, because that was what happened to us,” his grieving daughter Amellia Pawulski, 18, told The New York Post.

Who would think a mosquito would end up in a 5 year disability? Richard Pawulski, 49, was disabled for 5 years due to Eastern equine encephalitis (EEE). The mosquito-borne illness is a rare but “severe” disease that targets the brain, causing rapid physical deterioration and lifelong disabilities — if it doesn’t kill you first.

Richard suddenly fell sick after doing yardwork in the family’s lush, wooded Colchester backyard in August 2019. Just one day after finding a new mosquito bite, Richard complained of intense headaches and began vomiting yellow bile. Ended up with swelling in his brain and ended up in a coma for 2 months.

Richard spent the last five years bouncing between hospitals and nursing homes as he suffered through a traumatic brain injury, liver and kidney complications, seizures and other strenuous illnesses, as well as routine bouts of pneumonia.

His mental state was sorely affected — some days, Richard wasn’t aware of what year it was or where he was. Fortunately, he was lucid enough in the days before his death to tell his wife and daughter that he loved them.

This is a tragic story. You never see a disability coming. That is why it is important to have disability insurance.

The post DI In the News: Life can change in a blind of an eye appeared first on The Bloch Agency .

Disability in The News: Rachel Romer – Founder of Guild

Thu, 17 Oct 2024 19:28:00 GMT

The founder of Guild, a $4.4 billion education and upskill start up, had a stroke days before her 35th birthday. From the article, “Months of rehabilitation followed: three brain surgeries and three months in hospitals and inpatient rehab. Romer had a “flipped brain,” which meant that, unlike most stroke survivors, she retained the ability to speak—in a more monotone voice than before—and understand others. She held onto her IQ and knowledge. But her right arm and right leg were paralyzed.”

Romer has been navigating life in a wheelchair and adhering to a complete “digital detox,” with minimal screen time. (For months, that meant no email at all but some work via phone calls and FaceTime.) Guild has announced that Bijal Shah will take on the CEO title permanently while Romer continues her recovery. Romer does therapy a few times a week to regain mobility on her right side.

How to protect yourself? Income Protection Insurance. (disability insurance)

This is a prime example of why we need to protect our incomes with Income Protection Insurance. Executive clients have worked hard to get where they are. But have they ever thought about what would happen if they were suddenly unable to work due to an illness or injury? It’s not exactly something we like to think about, but it’s definitely important.

Income Protection insurance is a smart way to safeguard your income and ensure that you can maintain your lifestyle, even if the unexpected happens. It gives you peace of mind knowing that you and your family are protected financially no matter what.

The post Disability in The News: Rachel Romer – Founder of Guild appeared first on The Bloch Agency .

International DI Society – Nashville Meeting

Tue, 15 Oct 2024 19:15:00 GMT

Last week in Nashville at the IDIS conference. I heard some good speakers. One thing that was mentioned a lot: Cancer.

When a speaker mentioned how they had cancer or a client had cancer, I always wonder what it would have been like if they had a simplified Critical Illness policy. What would they have felt if they had a policy and received a check right after their diagnosis? What would that $5,000 or even $50,000 would have done for their families after the diagnosis.

A cancer diagnosis might not lead to a long-term disability, but it will certainly have plenty of medical bills. A Critical Illness policy’s lump sum benefit will go a long way towards helping with those unexpected bills!

You can get coverage up to $75,000 in about 24 hours with simplified underwriting!

The post International DI Society – Nashville Meeting appeared first on The Bloch Agency .

Tue, 15 Oct 2024 10:47:00 GMT

��️ Think disability insurance is only for the perfectly healthy? Think again! It’s true that not everyone can qualify for traditional disability income protection, especially those with past or ongoing medical conditions. But there’s hope! ��

�� At The Bloch Agency, we specialize in finding solutions for those hard-to-insure cases. Our full platform of special risk disability plans and our unmatched expertise mean we can navigate the toughest challenges to find the right insurance solution for your clients.

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Fri, 11 Oct 2024 08:45:00 GMT

�� Crafting disability plans for physicians requires precision and expertise. At The Bloch Agency, we equip you with top-tier support and the finest income protection contracts available to physicians.

�� Our expertise starts by understanding the distinctions between “own occupation” and “specialty own occupation,” ensuring you receive tailored advice and solutions.

�� Additionally, our offerings include income protection with unmatched issue and participation limits, programs for medical students and residents, overhead expense insurance, buy/sell coverage and Guaranteed Standard Issue programs.

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Attention Young Professionals! 🌟

Tue, 08 Oct 2024 16:44:00 GMT

In today’s world, changing jobs is common. But what happens to your insurance coverage when you switch employers? Often, the new company’s group insurance might not be as comprehensive as your previous one.

The solution? Individual Disability Insurance! ��✨

Unlike group insurance, individual disability insurance stays with you no matter where you go, even across state lines. Protect your income and ensure peace of mind throughout your career journey.

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🌟 Disability Insurance Fun Fact of the Month!

Tue, 01 Oct 2024 09:39:00 GMT

Did you know? Most tuna boat captains are considered uninsurable due to the high risks involved in their job. But at The Bloch Agency, we believe everyone deserves protection. We’re proud to provide disability insurance solutions tailored for those navigating the challenging seas of the tuna fishing industry, although coverage options may vary.

�� Ready to learn more? Dive in with us and discover how we can help secure your financial future, no matter your profession!

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Tue, 17 Sep 2024 08:41:00 GMT

Did you know? According to the National Association of Corporate Directors, fewer than 25% of private companies have a formal succession plan in place. Yet, 75% of business owners admit they are unsure if their business would continue successfully without them.

At The Bloch Agency, we understand the hard work and sacrifice it takes to build a business. That’s why we stress the importance of a solid succession plan. Don’t leave your life’s work to chance. Let us help you ensure that your business endures, even when you’re ready to step back.

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Thu, 12 Sep 2024 12:40:00 GMT

�� Attention Residents: Why Start Disability Insurance Early? Starting your disability insurance early is not just a precaution – it’s a smart financial strategy. As medical professionals, safeguarding your ability to earn should be a priority. Trust The Plus Group to guide you through choosing the right coverage that grows with your career.

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Mon, 09 Sep 2024 16:38:00 GMT

Physicians, consider this: what would happen to your life and career if a disability suddenly prevented you from practicing medicine? Secure your future with disability insurance and ensure peace of mind for whatever may come. Let’s discuss how we can protect your most valuable asset—your ability to work.

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🩺 Protecting Those Who Protect Us

Thu, 05 Sep 2024 16:36:00 GMT

Doctors and residents, you dedicate your lives to caring for others. Who’s taking care of your financial health? At The Bloch Agency, we understand the unique risks you face and offer tailored disability insurance solutions. Let us help protect your future.

The post �� Protecting Those Who Protect Us appeared first on The Bloch Agency .

Disability In The News – Kim Pegula

Wed, 04 Sep 2024 10:55:00 GMT

Tomorrow, the NFL season kicks off. One of the most powerful women in sports will be missing from the ownership room again this year. Kim Pegula, age 55, suffered a cardiac event in June of 2022. Since June of 2022, Jessica (her daughter) explained, “She is dealing with significant expressive aphasia and significant memory issues.”

Just a few months ago, Terry Pegula made the difficult decision to remove Kim as co-owner of all of the Pegula properties including the Buffalo Sabres because she remains incapacitated and there is little hope that she will return to be the vibrant leader she was before the medical incident.

The Athletic reported a few months ago that a judge has named Terry Pegula the “plenary guardian” of Kim and the bulk of her assets have placed in a trust with Terry as one of the co-trustees.

She has visited the team’s practice a few times, but sat in the car each time. This year, she visited the practice and this time she exited the vehicle and was able to join the team in their post-practice breakdown.

Disabilty does not discriminate against the poor or wealthy. It does not matter your bank account balance, disability can happen to anyone and at any time. Kim was 53 when she suffered her cardiac event. She was the president of Pegula Sports and Entertainment, the holding company that managed the Buffalo Bills of the NFL and the Buffalo Sabres of the NHL, in addition to several other minor league sports teams and entertainment assets.

How can you protect yourself?

Income Protection insurance is the simple answer and it has never been easier to protect your income. For business owners, this is a good time to think about Business Overhead Expense insurance. If you were not able to run your business for a while, what would happen to the business and employees? Business Overhead will cover the bills while you recover or give you time to find a buyer for your business.

The post Disability In The News – Kim Pegula appeared first on The Bloch Agency .

Mon, 02 Sep 2024 16:34:00 GMT

Disability Featured Fact of the Month ✨ Approximately 70% of working Americans would find it difficult to meet their financial obligations if their paycheck were delayed for a month. Disability insurance acts as a financial safety net. Don’t let life’s uncertainties derail your income. Explore disability insurance today and stay protected.

The post appeared first on The Bloch Agency .

🌟 Fact: 1 in 3 Americans between 35-65 could face a disability lasting 90+ days. Disability planning isn’t just wise; it’s essential. 🚑

Fri, 23 Aug 2024 16:33:00 GMT

How will bills get paid or dreams be achieved if work isn’t an option? Don’t let your clients’ futures hang in the balance. The Plus Group is here to ensure security and peace of mind. Let’s protect their tomorrow, today.

The post �� Fact: 1 in 3 Americans between 35-65 could face a disability lasting 90+ days. Disability planning isn’t just wise; it’s essential. �� appeared first on The Bloch Agency .

The Bloch Agency Spotlight

Fri, 23 Aug 2024 15:50:00 GMT

A quick spotlight about our agency. Located in Charlotte, North Carolina, and serving both NC and SC, The Bloch Agency has been in business for 28 years. They specialize in all facets of income protection, including Individual, Group, and proprietary products. As a founding member of The Plus Group, they have a legacy of excellence. A fun fact about The Bloch Agency: three generations of the Bloch family enjoy playing golf together each weekend.

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Disability in the News – Ben Baldanza

Wed, 21 Aug 2024 15:16:00 GMT

I’d like to share a story that underscores the importance of Disability Insurance and Key Man Insurance , both for individuals and businesses.

Ben Baldanza, former Spirit Airlines CEO, has battled ALS for years. Despite his tenacity and fighting spirit, the progression of the disease has made it impossible for him to continue his professional duties, leading to his retirement. This transition wasn’t just a personal challenge but a significant event for all who relied on his leadership and vision.

The financial strain of such unforeseen life changes could be devastating if not adequately prepared for. This is where disability insurance plays a crucial role. It ensures a steady income stream when an illness or injury prevents someone from working, offering a safety net that can alleviate financial stress during challenging times.

Moreover, Key Man Insurance is equally vital for businesses. Losing a key individual like Ben can seriously disrupt operations and threaten the company’s financial stability. Key Man Insurance helps businesses navigate through the tumultuous period following the loss by covering the costs related to finding a replacement and mitigating potential revenue losses.

Understanding and implementing these insurance policies can make a significant difference in safeguarding both personal and professional futures against the unpredictable tides of life. If you have any questions about how these policies can benefit you or your business, please do not hesitate to reach out.

The post Disability in the News – Ben Baldanza appeared first on The Bloch Agency .

Understanding Disability Insurance: Short-Term vs. Long-Term 🛡️Did you know there are two main types of disability insurance?

Tue, 20 Aug 2024 16:31:00 GMT

Short-Term Disability Insurance typically covers you for a few months, providing crucial support during temporary setbacks. Long-Term Disability Insurance can cover you for several years or even until retirement age, offering peace of mind for more prolonged challenges. Knowing the difference can help you choose the right protection for your needs.

The post Understanding Disability Insurance: Short-Term vs. Long-Term ��️Did you know there are two main types of disability insurance? appeared first on The Bloch Agency .

Thu, 15 Aug 2024 16:28:00 GMT

�� Problem: Employer-sponsored disability insurance plans often provide limited coverage, leaving gaps in your financial safety net.

Solution: The Plus Group can help you fill those gaps with individual disability insurance policies designed to meet your specific needs. Ensure you have the coverage you need for peace of mind.

The post appeared first on The Bloch Agency .

I wish I bought…

Mon, 12 Aug 2024 20:35:00 GMT

Have you ever had a kick me moment in life when it comes to insurance? Ever thought, I wish I had bought this or I wish I had more coverage. That is exactly what happened to me a few weeks ago on Father’s Day. Played 18 holes with my brother and son. Then decided to mow the back yard before getting comfortable on the sofa and watching the US Open. I got stung by a wasp and still mowed the yard. Halfway thru mowing the yard, I started to not feel well and tried to cool off with the hose, that did not work. I rang the front door for son to let me in (he is 14 and was only one home). I do not remember anything after that, he said he let me in and I walked in and fell flat on my face. Broke my nose, ended up with 6 stiches and thank God, no damage to my teeth or head. He called 911 and got taken to the ER.

So, one of the companies we represent, Assurity Life, has an Accident Insurance policy. I have talked about it before, but it is the ONE insurance I do not have on our family. I had been putting it off. Always thinking, I am good, nothing will happen to me.

Based on what happened to me, here is what I would have received if I had this policy. Premium for my family would be $53.41 a month. This would have definitely helped with my deductible. Here is what would I have received in benefits. I still have to have nose surgery to fix my nose.

Initial accident Treatment $200
Ambulance $400
Short-Stay Observation Unit $100
X-Ray $60
Diagnostic Exam $200
Follow-Up Treatment $100
Laceration $200
Broken Nose $450
Hospital Observation $1,000
Outpatient Surgery $500
Total
$3,210

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Trust in a Network Built for Doctors

Mon, 12 Aug 2024 16:27:00 GMT

At The Bloch Agency, we understand the intricacies of disability insurance for healthcare professionals. With our extensive network of agencies, experience personalized service and reliable coverage that meets the demanding lives of doctors and residents.

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Daily Insurance Tip 🌟

Thu, 08 Aug 2024 12:25:00 GMT

Customized Plans: Discover the benefits of customized disability insurance plans tailored to meet your unique needs. Personalizing your coverage ensures you get the protection that’s right for you.

Ready to secure your future with a plan made just for you? Contact The Plus Group today!

The post Daily Insurance Tip �� appeared first on The Bloch Agency .

Protect Your Business with Key Person Replacement (KPR) Insurance 🌟

Mon, 05 Aug 2024 10:23:00 GMT

Is your business ready for the loss of a key employee due to disability? KPR insurance safeguards small to medium-sized businesses, covering recruitment costs and temporary staffing with a lump-sum benefit (plus optional monthly benefits). Keep your business resilient and confident.

The post Protect Your Business with Key Person Replacement (KPR) Insurance �� appeared first on The Bloch Agency .

Disability Featured Fact of the Month ✨

Sat, 03 Aug 2024 08:49:00 GMT

Approximately 70% of working Americans would find it difficult to meet their financial obligations if their paycheck were delayed for a month. Disability insurance acts as a financial safety net. Don’t let life’s uncertainties derail your income. Explore disability insurance today and stay protected.

The post Disability Featured Fact of the Month ✨ appeared first on The Bloch Agency .

Protect Your Business and Income with Individual Disability Insurance

Thu, 01 Aug 2024 15:09:00 GMT

As an entrepreneur or small business owner, your livelihood depends on your ability to work. Did you know that 1 in 4 workers will experience a long-term disability before retirement? Individual disability insurance ensures you have a financial safety net in place if you’re unable to work due to illness or injury.

The post Protect Your Business and Income with Individual Disability Insurance appeared first on The Bloch Agency .

The ‘Top Chef’ Alum Shirley Chung, Diagnosed With Tongue Cancer After Experiencing ‘Dental Issues’ & Mouth Sores

Tue, 30 Jul 2024 20:51:00 GMT

Top Chef – Shirley Chung diagnosed with tongue cancer. Chung, age 47, announced the other day that she has been diagnosed with stage 4 tongue cancer. She had some dental issues in December and never went to see an EMT specialist. After a visit to the oral surgeon, said she had a tumor on her tongue.

She has a few options on how to battle this cancer. Option 1, surgery, 100% removal of your tongue She is a fighter and using all her options to battle this cancer. There is another option of radiation and chemo. She will have to go from LA to Chicago to get the treatment.

This is a prime example of why we need to talk to clients about disability insurance. Executive clients have worked hard to get where they are. But have they ever thought about what would happen if they were suddenly unable to work due to an illness or injury? It’s not exactly something we like to think about, but it’s definitely important.

Disability insurance is a smart way to safeguard your income and ensure that you can maintain your lifestyle, even if the unexpected happens. It gives you peace of mind knowing that you and your family are protected financially no matter what.

The post The ‘Top Chef’ Alum Shirley Chung, Diagnosed With Tongue Cancer After Experiencing ‘Dental Issues’ & Mouth Sores appeared first on The Bloch Agency .

The Golden Goose

Fri, 25 Aug 2023 13:47:00 GMT

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Stand Up To Cancer

Fri, 25 Aug 2023 13:39:00 GMT

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Disability Insurance – Income Protection 60% to $10K – $450K Income

Mon, 17 Jul 2023 12:01:00 GMT

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Income Protection: 60% to 10K – 200K Income

Wed, 12 Jul 2023 15:41:00 GMT

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Income Protection for those with a Salary of $150,000

Wed, 12 Jul 2023 15:39:00 GMT

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When Your Income Protection Only Pays $10,000 of Benefit for Those with Income Up to $250,000

Wed, 12 Jul 2023 15:38:00 GMT

The post When Your Income Protection Only Pays $10,000 of Benefit for Those with Income Up to $250,000 appeared first on The Bloch Agency .

Income Protection 60% to 10K -250,000K of Income

Wed, 12 Jul 2023 15:34:00 GMT

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Income Protection: 60% to 10K-100K Income

Wed, 12 Jul 2023 15:32:00 GMT

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Income Protection When The Salary is $1,000,000

Wed, 12 Jul 2023 15:29:00 GMT

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Questions for Small Business Owner

Wed, 12 Jul 2023 15:27:00 GMT

The post Questions for Small Business Owner appeared first on The Bloch Agency .

Income Protection for Key Person

Wed, 12 Jul 2023 15:24:00 GMT

The post Income Protection for Key Person appeared first on The Bloch Agency .

Disability Insurance – Income Protection 60% to $10K to $300K Income

Wed, 12 Jul 2023 15:23:00 GMT

The post Disability Insurance – Income Protection 60% to $10K to $300K Income appeared first on The Bloch Agency .

A Perfect Example of Life’s Unexpected Events and Why Income Protection is so Important – Jay Monahan

Wed, 12 Jul 2023 15:21:00 GMT

The post A Perfect Example of Life’s Unexpected Events and Why Income Protection is so Important – Jay Monahan appeared first on The Bloch Agency .

Disability Insurance – Income Protection 60% to 10K-350K Income

Wed, 12 Jul 2023 15:17:00 GMT

The post Disability Insurance – Income Protection 60% to 10K-350K Income appeared first on The Bloch Agency .

Who’s The Golden Goose? You?

Wed, 12 Jul 2023 15:15:00 GMT

The post Who’s The Golden Goose? You? appeared first on The Bloch Agency .

Accidental Death and Dismemberment

Wed, 12 Jul 2023 15:13:00 GMT

The post Accidental Death and Dismemberment appeared first on The Bloch Agency .

Income Protection – Whole Life

Wed, 12 Jul 2023 14:42:00 GMT

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Attention Small Business Owners

Wed, 14 Jun 2023 19:08:00 GMT

The post Attention Small Business Owners appeared first on The Bloch Agency .

Business ValueGuard

Tue, 25 Jan 2022 22:29:00 GMT

Business ValueGuard by The Bloch Agency in Charlotte NC.
This video explains how businesses can protect their assets through the use of income protection if you become disabled.

The post Business ValueGuard appeared first on The Bloch Agency .

Is Long Term Disability enough?

Tue, 25 Jan 2022 21:11:00 GMT

Is Long Term Disability Enough? The question on everyone’s mind over 40 years old. At a certain age, we all begin to realize that we are not the immortal teenagers that once roamed the earth. It’s time to get serious and protect our income and more importantly our families. Long Term Disability is a good start, but is it enough. This video explores the financial and emotional aspects of Long Term Disability.

The post Is Long Term Disability enough? appeared first on The Bloch Agency .

Ensure you can cover Mortgage, Utilities and Groceries

Tue, 25 Jan 2022 21:09:00 GMT

The post Ensure you can cover Mortgage, Utilities and Groceries appeared first on The Bloch Agency .

Learn more about Lifesytle Value Guard

Tue, 25 Jan 2022 21:05:00 GMT

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Know the Difference Between Morbidity and Mortality

Mon, 16 Oct 2017 14:40:00 GMT

While everyone’s definition of death is essentially the same for life insurance policies, morbidity, or health status, is what may become the determinant measure of the extremes of a disability from illness or accident.

Click to read more

The post Know the Difference Between Morbidity and Mortality appeared first on The Bloch Agency .

Interview on Family Lawyer Magazine

Mon, 06 Feb 2017 21:25:00 GMT

An Insurance Expert Discusses a New Product Designed to Protect Divorcees in Cases of Future Disability

In this interview, Ken Bloch Sr. discusses the financial concerns of a family’s future when facing divorce and how the newly developed insurance product, from The Bloch Agency helps to reduce that financial stress. Family ValueGuard guarantees that alimony, child support, and other expenses will be covered in cases of future disability.

The post Interview on Family Lawyer Magazine appeared first on The Bloch Agency .

Check out our new Product the Lifestyle ValueGuard!

Thu, 30 Jun 2016 15:06:00 GMT

This is a new proprietary product that we created ourselves with the help of ISI insurance. This fills in the gaps of Group insurance. Take a Look! LifeStyle Brochure

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Taking another look at Disability Insurance

Wed, 25 May 2016 19:02:00 GMT

A great article on the resurgence of Disability Insurance:

Click to read article

The post Taking another look at Disability Insurance appeared first on The Bloch Agency .

Claims Concierge Service

Thu, 17 Dec 2015 22:18:00 GMT

Claims Concierge Service

Offered exclusively at The Bloch Agency*

It happened…

The unexpected disability limiting your ability to work and continue to generate your income.

Now what?

Initiate the claims process.

Where do I begin?

Contacting our agency.

Why?

We can point you in the right direction and offer support for a smoother claims experience.

Contact our agency for additional support.
Toll Free: 1-800-696-1791 or Email: claimsconcierge@plusgrounc.com

*Claims Concierge Service is limited to business originally submitted through The Bloch Agency, Inc. We are not involved in the claims process once a policyholder is assigned a case manager and/or involved in the final decision pertaining to their claim.

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Understanding the Words that Work

Mon, 17 Aug 2015 17:43:00 GMT

Join us for The Plus Group Learning Webinar and find out about words that work. This webinar will touch on a number of topics including: The background on how this research was conducted and insights on the importance os speaking your clients’ language.

The three shifts in your DI sales language that can drive more productive DI sales discussions with customers.

The words to use and key strategies for building trust, credibility and relationships with clients

Using the DI Words that Work to reframe your client sales conversations from selling a product to providing customized solutions.

Join us on August 26th and in just 30 minutes you will learn some great sales techniques.

Click here to register

The post Understanding the Words that Work appeared first on The Bloch Agency .

Divorcees Disability

Mon, 09 Feb 2015 20:24:00 GMT

Ken Bloch Sr. Interview on Family Lawyer Magazine.com

Divorce Magazine Teleseminar: An Insurance Expert Discusses a New Product Designed to Protect Divorcees in Cases of Future Disability

The post Divorcees Disability appeared first on The Bloch Agency .

New Email Address For All New Business Applications

Wed, 19 Nov 2014 16:57:00 GMT

Please be advised we now have an email address designated for all New Business Applications.

Please begin using this email address immediately in order to avoid any further confusion with new business.

applications@blochagency.com

Thanks,
Aminta Romero St. Onge
Operations Manager

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Family ValueGuard – Divorce

Wed, 19 Nov 2014 16:54:00 GMT

Introducing…Family ValueGuard™

What happens when a spouse becomes disabled and is no longer financially able to pay their alimony or child support payments?

Consider the statistics

If the financially responsible spouse and payor of alimony or child support payments becomes disabled, the payments may be reduced or terminated. Most agreements protect support payments against death, but do not include disability protection.

Given the fact that a disability is more likely to occur than a premature death, these support payments need to be protected.

The Family ValueGuard Educational Disability plan is also available to provide enough benefit to contribute to the children’s education funds.

Protect yourself today against the adverse effects of these significant liabilities with Family ValueGuard. An unexpected disability doesn’t have to leave you and your children
struggling.

The post Family ValueGuard – Divorce appeared first on The Bloch Agency .

Family ValueGuard – Education

Wed, 19 Nov 2014 16:53:00 GMT

How will you be able to pay for your children’s education or care if you become sick or injured?
Consider the statistics

• The average cost of the Top 100 Colleges in the USA is over $50,000 per year
• 78 percent of graduates have debt of at least $100,000
• Almost 3 in 10 of today’s 20-year-olds will become disabled before reaching age 67.1
• Every 90 seconds someone files for bankruptcy in the wake of a serious illness.2
• More than 10% of U.S. households have offspring—adult children included—with special needs.

Family ValueGuard benefits supplement your existing disability coverage to provide the extra money needed to keep your child in daycare, pay education tuition, or the additional costs associated with a special needs child.

The post Family ValueGuard – Education appeared first on The Bloch Agency .

An Interview with Ken Bloch

Wed, 19 Nov 2014 16:48:00 GMT

CLICK HERE to listen to the full interview on Family Lawyer Magazine.

Ken Bloch Sr., CLU, is the founder of The Bloch Agency, and also one of the founding partners of The Plus Group, the nation’s premier disability marketing organization. Ken has over 40 years of experience in the insurance industry, 35 of which were in the IDI market. He is regarded as an industry leader and participates on several field advisory committees for major disability income companies. He has been published in Benefits Selling, Life Insurance Selling, Broker World, and The Charlotte Observer; he was also a keynote speaker at Disability Income Officers Roundtable, served on the NAIFA 2012/2013 Board of Directors, and was named 2007 Financial Advisor of the Year.

What is Family ValueGuard (FVG)?

The Bloch Agency developed the FVG product because there is a need to protect alimony, child support, and future educational expenses due to a disability. In the cases of a special needs child, future maintenance needs are protected. Typically, life insurance has been used in the case of a premature death, but protection has never been available to protect support payments against a disability until FVG was developed. The risk of a disability is actually 3 times greater than a death at any one age, so this protection is actually more important. Today, the probability of a white-collar worker becoming disabled between the ages of 35 and 65 is 27% for men and 31% for women. A 35-year-old white-collar male who suffers a disability lasting 90 days or longer will be out of work for an average of about 6 years.

How does Family ValueGuard work?

Once the financial terms and obligations have been determined, a FVG policy is designed to protect these payments. In case of a disability that would curtail or eliminate these payments due to financial stress, the FVG policy would pay these benefits directly to the spouse after a 90-day elimination period. These benefits would be payable in addition to any other disability protection the ex-spouse may have. The FVG policy can also provide additional benefits for day care, private school, and provide a lump sum up to 500k for future education needs. The lump sum payment would be paid into an Educational and Maintenance Irrevocable Trust. We have also created this trust to be given to your attorney so it can be tailor-made for each individual situation.

How much does it Family ValueGuard cost?

It depends. The proposal is based on several factors—the occupation, age, and health of the insured are the starting points. Then we factor in the alimony payments and duration, child support payments and schedule, and any other obligations, such as private school and college expenses, to calculate a premium. Due to the changing nature of some of these obligations, the FVG policy is adjusted to reflect these changes. If these obligations no longer exist, the FVG policy is null and void. The final cost is similar to traditional individual disability insurance.

Who is the insurer?

The Bloch Agency partnered with International Specialty Insurance (ISI) and Certain Underwriters at Lloyd’s of London to underwrite this coverage. The traditional disability insurance carrier’s policies do not have the flexibility to provide this coverage. Lloyd’s of London has a worldwide presence.

What are the typical causes of a disability?

When we are young, approximately 80% of disabilities are caused by accidents, but as we age, the percentage of disabilities caused by accident decreases and the percentage of disabilities caused by a sickness increases. Sickness eventually causes close to 80% of all disabilities. The FVG policy provides own occupation coverage—this means that if you cannot do the important duties of your occupation due to an accident or sickness, then benefits would be payable after the waiting period. Examples of a sickness that typically causes a disability are heart attacks, stroke, cancer, MS, debilitating back issues, and, of course, the automobile accident. There is nothing more devastating to financial wellness than the loss of income to pay bills. The typical group or individual disability income policy does not consider the additional needs in a divorce.

How are the amounts of coverage determined?

The divorce decree or other settlement agreement provides the amount of alimony, child support, or other financial obligations that can be insured. These obligations can change over time and the FVG policy can be adjusted as well to reflect these changes.

Which party pays the premiums?

It depends. Either party can pay the premiums. We have seen situations where the supporting spouse wants the coverage to protect finances and the dependent spouse wants the guarantee that payments will continue in case of a disability. In either case, the benefits can be structured to be received on a tax-free basis. It is wise to seek financial and/or legal council to structure the receipt of the benefits in the most advantageous manner.

Can Family ValueGuard be added after an attorney settles their client’s case?

Yes. There is every reason to include FVG in any new divorce settlement and revisit existing situations to determine if FVG makes sense.

Who can purchase the policy?

Often the dependent spouse receiving alimony and child support wants to make sure that benefits continue in case of a disability, and since the policy premium is paid with “after tax dollars”, policy benefits should be received on a tax-free basis. Contact your tax advisor for exact details. We have also seen the supporting spouse purchase a policy as well. The reason? In case of a disability, the need to go to court and reduce or eliminate payments is removed.

Can a disability provision be added to a divorce decree?

Yes. This has not been done before, since there was no a product available to provide this benefit.

If a family lawyer is interested in finding out more about your service, what should they do?

The family lawyer can visit our website— www.FamilyValueGuard.com —to learn more about our service as well as to request a proposal for their client. Our contact information is listed on our website. They can also call us directly at 1-800-696-1791.

Do you have a brochure to send to Family Lawyers that explains your service?

Yes, we have 2 brochures available: Family ValueGuard and Family ValueGuard Education.

Why should a family lawyer advise their clients to insure their alimony and child support payments against disability?

Every individual should protect his or her income in case of a disability. If the financially responsible spouse and payor of alimony or child support payments becomes disabled, the payments may be reduced or terminated. Given the fact that a disability is more likely to occur than a premature death, these support payments need to be protected. An unexpected disability doesn’t have to leave your client without alimony and child support payments.

To learn more about FamilyValueGuard, please visit www.FamilyValueGuard.com .

The post An Interview with Ken Bloch appeared first on The Bloch Agency .

Inadequacies of Group Disability Insurance

Wed, 19 Nov 2014 16:41:00 GMT

If you think you have enough Disability Insurance coverage through your employer, you need to watch this.

The post Inadequacies of Group Disability Insurance appeared first on The Bloch Agency .

Individual Disability Income Insurance

Wed, 19 Nov 2014 16:40:00 GMT

Find out what your most valuable asset is and how to protect it.

The post Individual Disability Income Insurance appeared first on The Bloch Agency .

About The Plus Group

Wed, 19 Nov 2014 16:40:00 GMT

The post About The Plus Group appeared first on The Bloch Agency .

Guaranteed Standard Issues

Wed, 19 Nov 2014 16:39:00 GMT

A simple solution designed to handle large DI cases with virtually no medical underwriting.

The post Guaranteed Standard Issues appeared first on The Bloch Agency .

Disability Insurance Buy Out

Wed, 19 Nov 2014 16:38:00 GMT

Find out about coverage for full-time professionals and owners of small to medium-sized businesses.

The post Disability Insurance Buy Out appeared first on The Bloch Agency .

Business Overhead Expense Insurance

Wed, 19 Nov 2014 16:37:00 GMT

Owners of small to medium-sized businesses need to hear about this.

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Physicians Need Disability Insurance Income Protection

Wed, 19 Nov 2014 15:53:00 GMT

As a physician, your income is one of your most valuable assets. How would you replace your income if your ability to practice becomes limited by an illness or injury? Even if you have employer-provided disability insurance, it may not offer enough protection or flexibility.

Protector Platinum℠ Individual Disability Income insurance from Standard Insurance Company offers industry-leading advantages for physicians, including protection in your medical specialty. It also includes the strongest Partial Disability Benefit available and The Standard’s exclusive Compassionate Care℠ Benefit.

Watch This Short Video To Learn More

View this 2-minute video reated especially for physicians. You’ll meet two specialists at different career stages – Dr. Lewis and Dr. Greenwood – and see the key advantages Protector Platinum offers each physician.

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