Life Insurance Quote Form

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Life Insurance Quote Form

Information About the Service

What Is Disability Insurance?

Disability Insurance provides a source of income for employees who temporarily cannot work due to an injury or illness. With a focus on returning them to work, claim managers make quick and accurate decisions that allow employees to focus on recovery instead of paperwork.

At Goodluck Insurance, we provide disability insurance for our clients. Our advisors or agents will look at where you are now, where you want to be, and recommend the right amount of insurance for your needs and budget. Here’s what you can expect from us:

  • A judgment-free, pressure-free environment
  • Friendly, jargon-free conversations
  • Answers to the questions you have, and the ones you didn’t know to ask

Essentially, this is an insurance used to provide coverage compensation for equivalent loss of income. If you become sick or injured, you may be forced to miss work. Health insurance will only cover the cost of some of your medical procedures and recovery, but can’t help pay other bills. If you’re unable to work and can’t receive a paycheck, you run the risk of missing payments on your mortgage, utilities, or other bills, but disability insurance solves the problems of such concerns.

Types of Disability Insurance

  • Long-term disability insurance
  • Short-term disability insurance
  • Mortgage disability insurance
  • Workers’ compensation

Differences Among the Different Kinds of Disability Insurance

At Goodluck Insurance, we identify clear differences between long-term and short-term disability insurance and how long each last.

Long-term disability insurance is coverage intended to protect your income if you are unable to work due to illness or injury.

Short-term disability insurance usually lasts a maximum of two years, while long-term coverage can often last up to five or 10 years or more, even if not all the way through to retirement age.

Mortgage disability insurance helps with mortgage payments if you become disabled. A policy provides monthly income to cover your mortgage principal and interest payments if you were to become disabled and could no longer work.

However, Mortgage disability is different from Mortgage Protection Insurance, and in a different scenario, it offers affordable insurance coverage that provides financial security for your life inheritance or any remaining member family, should a tragedy strike.

Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.

Get a Relationship for Life Today!

Count on our over 20 years of combined experience to provide you with high-quality insurance services. For inquiries and for all matters insurance, please send us a message here. You may also set an appointment with one of our representatives directly here.