• Skip to primary navigation
  • Skip to main content
  • Skip to footer

Excalibur Brokerage

NJ's Top Life Insurance Expert

  • Our Story
    • Insurance Brokers
      • Agents Reviews
      • Become A Broker
      • Broker Quotes
    • Consumers
      • Tips For Buying Insurance
      • Consumer Quote
    • Companies We Represent
  • Our Products
    • ANNUITIES
    • BUY/SELL
    • BURIAL INSURANCE
    • DISABILITY INCOME
    • FINAL EXPENSE
    • GRADED DEATH BENEFIT
    • GROUP LONG TERM LIFE
    • GUARANTEED ISSUE
    • IMPAIRED RISK
    • KEY PERSON
    • LONG TERM CARE
    • MORTGAGE LIFE
    • PAYROLL DEDUCTION
    • RETURN OF PREMIUM
    • SECOND TO DIE
    • TERM LIFE
    • UNIVERSAL LIFE
    • WHOLE LIFE
  • Why Choose Excalibur
    • Customer Reviews
    • Agent Reviews
    • FAQ
  • Contact Us
  • Drop Ticket
  • Blog
  • (800) 652-9923
  • Get A Quote

May 1, 2023 By

Secure Your Income and Future with Disability Insurance

Did you know that 1 in 4 workers will become disabled before reaching retirement age? In the United States, disability insurance is an essential type of coverage that can help protect your income and provide peace of mind in the event of an injury or illness. In this article, we’ll explore the basics of disability insurance, what to look for in a policy, and how it can benefit you.

What is Disability Insurance?

Disability insurance is a type of insurance that provides income replacement if you become unable to work due to an injury or illness. There are two types of disability insurance: short-term and long-term disability insurance.

Short-term disability insurance provides benefits for a short period of time, usually three to six months. Long-term disability insurance provides benefits for a longer period of time, usually two years or more. Both types of disability insurance can help replace a portion of your income if you’re unable to work due to a covered injury or illness.

What to Look for in a Disability Insurance Policy

When shopping for a disability insurance policy, here are some things to consider:

  1. Benefit amount: The benefit amount is the amount of money you will receive if you become disabled and unable to work. Make sure the benefit amount is enough to cover your essential expenses, such as rent or mortgage payments, utilities, and groceries.
  2. Waiting period: The waiting period is the amount of time you must wait before benefits begin. A shorter waiting period means you’ll start receiving benefits sooner, but it may also mean a higher premium.
  3. Definition of disability: The definition of disability is how the insurance company determines if you’re unable to work. Look for a policy with an “own occupation” definition of disability, which means you’ll receive benefits if you’re unable to perform the duties of your own occupation.
  4. Premiums: Premiums are the amount of money you pay for your disability insurance policy. Make sure you can afford the premiums, and look for discounts if you’re a non-smoker or in good health.

Benefits of Disability Insurance

Here are some of the benefits of disability insurance:

  1. Income replacement: Disability insurance can help replace a portion of your income if you become unable to work due to a covered injury or illness.
  2. Peace of mind: Knowing that you have disability insurance can provide peace of mind, knowing that you’ll be able to pay your bills if you’re unable to work.
  3. Coverage for a variety of disabilities: Disability insurance can cover a variety of disabilities, from accidents to illnesses.
  4. Tax-free benefits: Disability insurance benefits are typically tax-free, meaning you’ll receive the full benefit amount.

Get the Disability Insurance Coverage You Need

If you’re looking for a way to protect your income and secure your financial future, disability insurance is an important type of insurance to consider. When shopping for a policy, it’s important to take into account factors like the benefit amount, waiting period, definition of disability, and premiums. With disability insurance in place, you can have peace of mind knowing that you’ll be able to cover your bills if you’re unable to work due to a covered injury or illness.

At Excalibur Brokerage Agency, we understand that navigating the different options for disability insurance can be overwhelming. That’s why we’re here to help. With over 40 years of experience, our team of experts can guide you through the process and help you find the best disability insurance policy for your needs. Contact us today for a free quote and analysis. We’re here to assist buyers nationwide and provide the support you need to secure your financial future.

For more information about disability insurance or other types of insurance, check out our other articles:

  • Tips for the First-Time Buyer
  • What to Look for in Life Insurance
  • 6 Most Common Mistakes in Life Insurance
  • 4 Reasons You May Need Life Insurance When You Retire
  • How to Avoid Estate Planning Failures
  • Understanding Impaired Risk Life Insurance

Filed Under: Disability Insurance Tagged With: Cheap Insurance, Disability Insurance, Free Quote, Injury Insurance, Long Term Disability, Short Term Disability, Waiting Period

New Jersey Life Insurance Expert

Carl Feller – the owner of Excalibur Brokerage Agency – has been a Life and Health Insurance professional for almost 40 years. Carl has been putting his expertise to work with the Brokers who place their business through his Agency, and for the customers who purchase their insurance through him.

Carl earned his Bachelor’s Degree in 1978 from Fairleigh Dickinson University, and then entered the insurance industry as an agent with Northwestern Mutual. Carl made his mark at the former Mutual Benefit Life Insurance Company in Newark, NJ where he was Vice President of Individual Disability products. After Mutual Benefit, he went to a John Hancock Agency, helping to build a national brokerage operation, until he decided that he wanted to build his own Agency and put to use all of his knowledge, contacts, and capabilities. Life insurance and its suite of products, Term Insurance, Impaired Risk, Long Term Care, and Disability to name a few, are complex at best to the general public, and each product and company has charted its own maze with underwriting and product options. Carl, being licensed in almost every state, has put his expertise to use on both the customer and Broker side. For his Brokers, as a General Agent for about 30 companies, he pre-underwrites cases, advising on the best product or company for a particular need. For the customer, he strives for that perfect fit: the right product for the right person.

About fifteen years ago, Carl ventured into the Senior Market, specializing in Long Term Care. In 2003 he earned his certification as a Long-Term Care Professional (LTCP), co-sponsored by the Health Insurance Association of America (HIAA) and the American Association for Long-Term Care Insurance (AALTCI). As a Long-Term Care Professional and a certified trainer, Carl is very knowledgeable about this particular segment of the market, and has followed it through its evolution.

Click Here to read what some of our Agents/Brokers say about Excalibur!

The Best Service from the Top Life Insurance Brokerage Agency

Join Our Team

Brokers – We’ve Got You Covered! Personal Service to Make Your Life Easier!

Consumers! Need a Term Life, Guaranteed Issue, Final Expense, Impaired Risk Life Insurance quote?

Get Your Insurance Quote!

A life insurance broker committed to making a difference by getting you the low cost life insurance you want.

subcentersthe marketing alliance

Footer

  • Our Story
  • Our Products
  • Companies We Represent
  • Let’s Talk About Life Insurance!
  • Insurance Brokers
  • Consumers
  • FAQ
  • Get A Quote




lowest price for nexium 40 mg canada prescription price nexium generic over the counter nexium prescription nexium from canada cost of protonix versud nexium is nexium over the counter same as prescription nexium over the counter vs prescription cash price for nexium 40 mg in fort gratiot michigan sams club nexium price over the counter nexium cost at walmart nexium sale 44124 where can i buy nexium tablets nexium price without insurance walmart pharmacy price nexium nexium 24hr from canada nexium 40mg otc buy brand name nexium 40 mg online buy nexium tablets online nexium rx to otc switch best price otc nexium nexium over the counter cost nexium 40 mg rx cost insurance nexium price 2015 cheapest price for nexium fda nexium otc can you buy nexium 40 mg over the counter nexium omeprazole otc nexium medication cost where is the best place to purchase otc nexium how much does nexium cost at sams nexium buy on line is nexium 20 mg otc same as prescription 20 mg walgreens nexium price cost of nexium 24 hr 30 pack 40mg. buy nexium cheap who has nexium on sale where to buy generic nexium where to buy nexium for cheap cost of nexium 40mg with silverscript silver script low cost nexium nexium 28 ct for sale canada drugd nexium nexium online canada legitimate prilosec vs nexium otc price of nexium at cvs nexium manufacture cost nexium otc vs prescribed nexium price at bjs nexium otc coupon 2016 prilosec otc vs nexium 24 hr nexium 20mg 42cap by cost nexium otc over the counter directions nexium over the counter coupon compare nexium prices best prices on nexium nexium 40 mg capsule prices prescription nexium price are 2 nexium 20:mg otc the same as prescribed nexium 40mg cache:http://www.businessinsider.com/pharmacists-blame-pbms-for-high-cost-of-nexium-2016-10 nexium 20mg buy nexium price australia where to buy nexium from canada cost for nexium 24hr nexium cost at cvs where can i purchase nexium sams club order nexium on line is nexium prescription or over the counter nexium prices increase nexium reviews uk nexium otc dose nexium price us vs canada buy generic nexium walmart nexium price mercury drug philippines sams club nexium the price of it nexium price walmart nexium otc equivalent buy nexium generic prescription strength nexium vs otc best price nexium 40 mg over the counter nexium vs prescription nexium
Excalibur Brokerage Agency,
13 Junction Pond Lane,
Monmouth Junction NJ 08852.
Phone: 800-652-9923 / 732-297-6000

Copyright © 2023 · Excalibur Brokerage Agency, Inc. · Powered by Milehigh SEO