Disability Insurance provides cash benefits to replace lost income and cover medical expenses. There are two types of Disability Insurance: short-term and long-term. Short-term disability is generally recommended for individuals who are earning a significant portion of the household’s income. This coverage can protect major assets, such as homes and vehicles, from falling into foreclosure in the event the insured individual is forced to stop working.
Long-term disability insurance is designed to protect individuals and families against financial hardship when a loved one requires ongoing medical care, typically as a result of illness. Long-term DI is recommended for individuals entering retirement. Planning for unforeseen circumstances is one of the most important wealth and well-being considerations to make when exiting the workforce.
What we do
- Help select the right coverage and services to meetyour goals.
- Handle all of the legwork involved in obtaining coverage.
- Keep you up to date on changes and notify you when your options have changed.
We are very grateful for the help we received from John. He was immediately able to offer us an advantage plan that saved us a considerable amount of money; and personalized the coverage to better meet our needs. Highly recommend!
— BECKY GEORGE
John has made the impossible possible, concerning which insurance to choose and explaining Medicare to me. I was so confused and anxious about making a good decision that I had almost given up. With John explaining everything to me, suddenly the choice became clear. He is very patient, kind & available.
— LYNNE STICHER
In all my years of insurance dealings, 45 plus, I have NEVER had the fortune to be serviced by an honest agent. Now I am not saying my other agents were dishonest. I am saying that their service does not even come close to the service John offers. John explains the “system” so as a consumer you understand how to make wise choices. He shops for plans that truly fit your needs. He follows up immediately. He does all the leg work for you! He is the only man I will ever allow to handle my insurance needs! Call him! You will be blest!
— TERRI SMITH-CHAVIRA
I can't say enough about John. He has been there for me through the whole process of making decisions regarding a new Healthcare/Medicare policy. He made the process enjoyable and easy. It's great having a broker close at hand or just a phone call away. He has my business forever.
— CONNIE NICHOLS
John works hard to do what's best for for everyone he serves. He's gone above and beyond to help me get the best product for my life and supplemental medical insurance.
— JOHN GOODDING
