Who Are We?
Disability Insurance Coach is an independent agency that specializes in disability insurance or, what is commonly referred to as “Income Protection”.
Our business model has grown out of our two core principles:
- Provide no cost, one on one coaching, in order to educate you about your short term and long term disability insurance options
- Help you obtain the lowest possible price, regardless of the type of work you do, for the largest possible monthly tax free disability check
Three key facts to remember:
- It is against the law for us to charge you for our services
- It is against the law for us to change insurance carriers prices
- Insurance companies must compensate us for coaching you
Those three key facts should help you better understand why it’s in your best interest to work with an independent licensed coach, instead of a “captive coach”.
Captive Coach Definition: A licensed insurance professional that is ONLY allowed to discuss his or her employers insurance products.
Captive agents are not trying to hide anything from you, but, they’re employees of the carrier they work for, and are not allowed to discuss their competitions products and prices.
When you connect with one of our coaches, you have an unbiased licensed agent that will assist you from the comfort of your home or office. They will answer all of your questions, provide instant pricing and help you design an income protection plan that meets your goals an objectives.
You will never experience any nauseating, high pressure sales tactics, as they are not allowed to sell you anything over the phone when you speak with them. That is how we operate.
Our coaches have been trained by the leading disability income protection professionals in the country, and the requirement to treat you with respect and dignity, while answering all of your questions, is non negotiable.
Disability income protection provides instant and non cancelable coverage from day one.
With the right plan, you can feel confident that you will never have to use your retirement savings or rely on a family member to cover your monthly expenses when the unexpected accident or illness suddenly appears.
There are several insurance companies to choose from. The 64 million dollar question has always been, “how do I get the most amount of monthly tax free benefit and pay the lowest monthly premium for it?”
That’s an easy one to answer…you need to find the insurance company that views your health and lifestyle most favorably. That is why you want to deal with a independent, highly trained and vetted coach that understands which carriers want to compete for your business!
Remember the three key facts at the top of this page?
Our allegiance is to you, as we are not bound by ANY one insurance carrier.
We have a very simple three step process that we practice on every single coaching call.
- We carefully ask you certain health and lifestyle questions
- We help you determine how much tax free income that you will need to cover your monthly expenses, while meeting your personal goals and objectives
- We survey all the top rated carriers in the marketplace and identify the most competitive carrier for you
You will never be asked to pay us for our services, it is against the law.
Unique Qualifications In The Disability Insurance Market
- Our vast experience working as both captive and independent agents means we know which insurance carriers will view your health and lifestyle most favorably
- Because all of our coaches are independent, we are your advocate, not the insurance carriers
- We only work with top rated carriers who will be around when you need to file a claim and receive your monthly benefit deposit
Disability Insurance Done Differently
The disability insurance market has always been subject to dealing primarily with Aflac, or a carrier that demands that you purchase it from your employer, or that you pay an arm and a leg to get coverage that has too many caveats to keep track of.
Did you know that most disability insurance does not cover you outside of the work place?
Did you know that the majority of disabilities happen outside of the workplace?
Historically disability insurance has been sold during open enrollment, or in a high pressure face to face sales environment which is usually very uncomfortable.
When we created disability insurance coach, we resolved to do things differently from day one. We know that everyone purchases protection at their own pace and we honor that.
Your licensed coach will answer each and every question that you have and make sure that all of your concerns are addressed from the very first coaching call. After we listen to you, will compare all of the disability insurance policy quotes and inform you as to which carrier offers you the lowest price for the largest amount of tax free monthly benefit.
The best part is that you can do this from your home or office, 100% over the phone and via email.
Your quotes and illustrations will be sent to your email and your licensed coach will always be available to help you with all of your follow up questions. A deep respect for your needs is at the core of our coaching process. When you work with one of our highly trained coaches, you are the one who is in control of the process and timing.
Our loyalty is to you, and we want to ensure that you feel informed and confident about your decision to protect your assets and families peace of mind.
Why Choose Disability Insurance Coach?
The first thing you want to ask yourself is, what does an insurance coach need to do in order to make me feel comfortable enough to move forward with an income protection plan?
There are dozens of providers of disability insurance and what company you purchase it from is very important. It positively will determine the monthly premium that you pay and how large of a monthly tax free benefit you receive.
Insurance companies make their rates public and licensed insurance professionals are not allowed to “mark them up” or manipulate the price. So, a policy from Mutual of Omaha is going to cost you the exact same price with our firm, as it would by calling Mutual of Omaha directly. The difference is that a Mutual of Omaha employee is not allowed to discuss their competitions prices and coverage amounts and independent coaches can.
The key to getting you the largest amount of monthly income protection benefit, for the lowest monthly cost, is done by having an independent agent shop the entire disability marketplace for you.
An informed agent or “coach” will know which carriers look at your health summary as the least risky and reward you via the best possible price (premium).
Our team of independent coaches have years of combined experience in disability insurance marketplace and we can quickly help you understand which carriers want to compete for your business.
All of our coaches will use their God given talents, along with their years of experience to help you understand all of the options that are available to you. We won’t let you down, fill out the quote form today and we will contact you within 24 hours or less.