How to improve your coverage:
Don’t count on work policies. Employer-sponsored policies are weak and provide only short-term coverage periods and benefits. In addition, partial disability is not covered in most policies.
Prudent ways to lower your policy cost:
Buy from a mutual insurance company owned by its policy holders. With access to rates at multiple companies, we can help you find the best rate for your needs
As your savings increase, it is often advisable to reduce your amount of coverage; we like to increase the waiting period to 180 or 360 days. This simple change can save you a lot of money in premiums.
Who to buy insurance from:
As fiduciaries, we believe insurance should be bought from independent agents who can offer policies from several mutual insurance companies. Different insurance companies are competitive in different areas, and if an agent only offers one company, they usually can’t offer the best rates for all types of insurance.