Disability and Long-Term-Care Insurance
We are an independent insurance brokerage. We represent over a dozen disability and LTC insurance carriers. You have choices, comparison, and access to the most cost-effective option for your family’s needs and goals.
Let us help you choose your coverage:
- Disability income for professionals & self-employed
- Long term care – in-home & residential
- Business overhead coverage
At PBI, we focus on individual analysis. Choosing the right insurance policy involves much more than the cheapest premium for the amount of coverage.
- First, do you have ANY coverage for income or care if you are disabled or unable to care for yourself?
- Second, do you know if you have the right type of insurance? Disability insurance has many options – there are serious long-term considerations depending upon your profession. Have you thought about what kind of care you would like to receive if you need long term nursing care?
- Third, do you know that you are getting the best value for your premium dollar? Disability & LTC insurance have complexity – riders, elimination periods, and underwriting considerations. These vary amongst carriers and policy types. As with most products, don’t assume that the cheapest product will serve you or your family best over the long term.
Please call us to discuss your needs and goals.
