There are many reasons why it may be in your best interest to consider buying a policy on your own. So that you can review your specific circumstances, please call our customer service department during regular business hours.

First, decide if you really need life insurance. Make sure the insurance company is licensed to do business in your state. Determine the type of policy and the benefits which would meet your needs. Shop around by comparing premiums, and costs of insurance of several policies from several companies. Calculate that the premiums paid do not exceed the death benefit within the first ten years of the policy. Lastly, never feel pressured into buying life insurance.

Some insurance companies offer disability insurance policies that define disability in terms of income actually lost as a result of the disability rather than in terms of a particular occupation. Under these terms, if an insured becomes disabled benefits are paid to the extent that the insured suffers a loss of income over a predetermined threshold such as 20%.

You know you need life insurance to protect your family.

Disability income is a form of health insurance that is designed to provide you with an income during the time you are unable to work due to illness or injury.

First and foremost, buy the amount and type of insurance you need. Remember: if your policy limit is less than 80% of the replacement cost of your home, you will face a "coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs beyond your policy's deductible. For example: Your home's estimated replacement value (RCV) is $100,000.

Many of us have life insurance, however very few of us have long-term disability coverage. Yet according to statistics, workers are more likely to sustain a long-term disability (one lasting longer than 90 days) than die at an early age. Long-term disability insurance is fairly expensive, and people tend to think that they will be protected by workers' compensation or other sources. However, Social Security, workers' compensation, and employer-offered long-term coverage are often inadequate.

In the event you are disabled and unable to work, your employer is obligated to enable you to continue health care coverage by continuing the employer's share of the premium costs for three additional months following the month during which you became disabled, or for the period for which your employer has undertaken payment of your regular wages, whichever is longer. You must maintain your portion of the premium payments; otherwise, coverage may be terminated.

Disability income insurance provides you with income should you become sick or injured and unable to work. It helps protect against family catastrophe by giving you an income to meet daily expenses. A variety of employer-paid and government sponsored programs, generally cost- free to the recipient, covering certain categories of workers.

Policy provisions vary, as do the premiums depending upon which provisions you choose. Generally the policy will specify a maximum period of time it will pay for a covered disability. Typical policy terms are for two years, five years, or to age 65. If during that time you recover from the disability and return to work, the policy will provide that a new disability will start a new benefit period.

The best thing to do is to take a complete inventory of all your business property, determine all of its value and decide if each is worth insuring. Then check to see that the items on the inventory list are included in the basic business property policy and covered for the correct amount. If not, ask your C.O. Brown agent about the cost of purchasing additional coverage to meet your needs. You also need to consider your business situation.

a benefit, you may want to offer Health Insurance, Life Insurance, or Disability Insurance. As an employer, you may be required to provide Workman's Compensation Insurance. You will need to check with your state requirement. If the nanny is transporting your children, per her job description, you must make sure you provide the proper Automobile Insurance for her to carry out her duties.

The insurance your landlord carries covers the building structure, but does not cover your personal belongings--your furniture, wardrobe, appliances, television--anything that you've moved into the building. You need a renter's policy to cover your personal possessions. Return to top of page. insurance company will evaluate an application to determine if it qualifies under its guidelines for new business.

An employer may describe the qualifications necessary to perform the position but may not ask whether the prospective employee has a disability that may affect his or her ability to perform the job. If the prospective employee indicates that he or she has a disability that may require accommodation, the employer may ask what types of accommodations would allow the prospective employee to perform the essential functions of the job.

Absolutely, especially if you want to protect your insurability as well as a company that is progressing financially. Future Earnings Protection option allows you to buy more coverage without evidence of insurability and allows your benefit to increase.

Yes. However, this approximation should be close to your net taxable earnings reported to Revenue Canada Unfortunately, if you have a net taxable lower than $12,000 the insurer to reserve the right to NULL and VOID your contract for insurance or pay you a benefit based on the income reported.

The actual payment will depend on your income. Most companies do not promise a set amount, but rather a percentage of the income you average for a period of years, usually three to five. When you purchase your policy, you decide what percentage of your income you want replaced, up to 80%. The percentage you choose, along with other features, will determine your premium.

The University of Washington is committed to providing access, equal opportunity and reasonable accommodation in its services, programs, activities, education and employment for individuals with disabilities. To request disability accommodation, contact the Disability Services Office at 206-543-6450 (voice), 206-543-6452 (TTY), 206-685-7264 (fax), or dso@u.washington.edu at least 10 days prior to the start of your course or date of a UW event you plan to attend.