Welcome
Thank you for taking a moment out of your schedule to visit Lawyer Disability Quotes. We have worked in the insurance business for over 30 years with lawyers, dentists, physicians, nurses, cyber security professionals and others in white-collar and administrative vocations to secure disability and life insurance. According to the American Bar Association, about 75% of lawyers are in private practice. Small law firms with less than five lawyers make up more than half of the entire market in the United States and 49% of those firms are run by solo-practitioners. A person running their own legal practice will need disability insurance and need to know what to buy in order to survive a significant financial blow in the event of a cash flow disruption due to illness or injury. This is the reason we have dedicated this agency website to assisting private and solo-practitioners of the law in addition to others working in a professional capacity.
A little about me
I am a 1987 graduate of Washington & Jefferson College where I lettered in both football and track. I am also a life member of Kappa Alpha Psi Fraternity Inc. Richmond, Virginia Alumni Chapter. I am currently licensed in Virginia, Maryland, North Carolina, Georgia, Michigan, California #4100755 and counting. I sold my first disability insurance policy in the fall of 1994 which was a Guardian Provider Plus policy. Four years later in the fall of 1998, the person I sold that first disability insurance policy to was diagnosed with Multiple Sclerosis about one year after giving birth to her first child. This initial experience convinced me that I was doing a good and honorable service that is under-appreciated yet, very much needed.
Disability Insurance
Lawyers need disability insurance due to their educational investment, their earning potential and their risk of disability. Becoming a lawyer can earn you a lot of money but, it also comes with a very significant up front financial investment. You need an undergraduate degree and then you need a law degree and then you need to work to pay off the debt created by educating yourself. According to U.S. News and World Report, the average cost of a public in-state law school in 2016-2017 was more than $26,000 per year. The top 10 law schools had an average annual cost of more than $60,000 and that's over and above basic college costs. About 1 in 3.57 Americans will experience a disability between ages 20 and 65. The average length of a long term disability is 31.6 months with 1 in 5 individuals experiencing a long term disability lasting 60 months and 1 in 20 individuals being permanently disabled. We offer both Principal and Guardian as our primary disability insurance carriers. Below, you will find useful resources about disability, disability insurance and the process of getting your disability insurance claim paid. Disability insurance is not the most inexpensive insurance purchase you will make but, it could be the most important insurance purchase you make because, Americans are 3.5 times more likely to suffer a long term disability over their working lives between the ages of 20 and 65 than they are to die during that same time frame.Disability Insurance Resources:
https://www.doctormoneymatters.com/episode44/
https://www.doctormoneymatters.com/episode45/
Life Insurance
Your family matters. You would not want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it`s absolutely essential to have a plan in place to protect your loved ones when you are no longer able to do so. Life insurance will pay for your bills and other associated costs. There are numerous life insurance options that are available in both the type of coverage consumers desire and the way in which they purchase that insurance.You can now purchase term life insurance with conversion options to whole life insurance or basic term life insurance in as little as ten minutes.This life insurance calculator from highly rated, Midland National Life,which also offers it's life insurance with living benefits, will help you to determine your coverage needs. All of our insurance options are offered with the convenience of an electronic application and no need to meet face to face with an agent however, we do have Zoom meetings available, if desired. Additionally, you may not be required to have an insurance exam in many circumstances!
Why Should you call this agency for Insurance?
There are many insurance agents out there and it may seem like any agent or broker is as good as another. Insurance jargon can be very confusing. We know the insurance business and our inside knowledge of many companies and products will work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. As independent agents, we are not employed by one particular company. Instead, we can select insurance products from among those companies that best address your unique concerns.
Please don't hesitate to call us with your questions. There will never be a charge for our assistance or for a friendly, no-obligation chat.
