Blog

Published April 30, 2018

Best Disability Insurance Companies for Cardiologists in 2021

Colin Nabity

Relative to other medical specialties, disability insurance companies consider cardiologis...

Published April 30, 2018

How Medical Specialty Impacts Disability Insurance Rates

Joel Palmer

At times, insurers may adjust occupational risk classes based on data that shows more or l...

Published April 26, 2018

Understanding the Financial Impact of Disabilities

Joel Palmer

Published April 25, 2018

The Basics of Annual Renewable Term Life Insurance

Joel Palmer

In most cases, medical professionals will likely prefer a level term policy with a guarant...

Published April 20, 2018

How Discount Mortgage Points Work

Joel Palmer

Depending on how much a point will reduce your interest rate, it may take five to six year...

Published April 18, 2018

How to Maximize Your Disability Insurance Coverage

Joel Palmer

Depending on what age and under what circumstances you need benefits from your policy, you...

Published April 13, 2018

The Basics of Mortgage Rate Locks

Joel Palmer

Obviously the higher the interest rate on your mortgage, the higher your monthly payment a...

Published April 11, 2018

How Disability Insurance Companies Determine Your Income

Joel Palmer

Determining the correct amount of coverage you qualify for is done through the process of ...

Published April 10, 2018

What Length of Term Life Insurance Should I Get?

Joel Palmer

The primary purpose of term life insurance is to help replace the income lost if you die u...

Published April 09, 2018

Do Military Doctors Qualify for Disability Insurance?

Joel Palmer

Disability insurance policies usually state that they will not pay any benefits if disabil...

Published April 03, 2018

Can a Life Insurance Company Deny My Claim?

Joel Palmer

The main thing you want to understand about contestability is that you should not, under a...

Disability Insurance Life Insurance

Published March 30, 2018

Should You Get AD&D Insurance Instead of Life or Disability Insurance?

Joel Palmer

Unlike term life insurance, an AD&D policy will not pay a death benefit if the insured die...

Published March 13, 2018

Understanding the Future Increase Option in Disability Insurance Policies

Joel Palmer

A future purchase option is a critical component if you’re purchasing disability insurance...

Published March 08, 2018

The Current State of the Housing Market in 2018

Joel Palmer

Median home values in the fourth quarter of 2017 reached an all-time in 64 percent of meas...

Published February 16, 2018

What Determines Mortgage Rates?

Joel Palmer

One common misconception is that mortgage rates are set by the Federal Reserve. The Federa...

Published January 31, 2018

How to Select an Elimination Period for Your Disability Insurance Policy

Joel Palmer

The longer the elimination period on your policy, the less you will pay in premium. That d...

Published January 18, 2018

How to Get a Mortgage Loan for a Vacation Home

Joel Palmer

Before you commit to the purchase of a second home, you will want to consider how to finan...

Published January 17, 2018

Best Disability Insurance Companies for Dentists in 2021

Joel Palmer

Individual disability insurance designed specifically for the needs of dentists can protec...

Published January 12, 2018

Can I Use a Cash Gift to Qualify for a Mortgage Loan?

Joel Palmer

Lenders will immediately scrutinize any non-payroll deposits, such as gifts, in your bank ...

Published January 05, 2018

Should You Invest in Real Estate?

Joel Palmer

Like with any type of investment, real estate can decrease in value. This occurred extensi...

Disability Insurance Life Insurance

Published December 19, 2017

Can Creditors Claim Life and Disability Insurance Benefits?

Joel Palmer

In general, your debt becomes the responsibility of your estate following your death. Whet...

Published December 07, 2017

Comparing Conventional, FHA and Physician Mortgage Loans

Joel Palmer

One thing that sets a physician loan apart is that lenders will either recalculate the imp...

Published November 21, 2017

Critical Illness Insurance vs. Disability Insurance, Explained

Joel Palmer

Even with health insurance, serious illnesses can impact a family’s finances. According to...

Published November 14, 2017

The Catastrophic Disability Insurance Rider, Explained

Joel Palmer

Catastrophic benefits are often subject to the same provisions as the base policy. For exa...

Published November 08, 2017

What Are the Leading Causes of Long-Term Disability?

Joel Palmer

The Centers for Disease Control (CDC) says arthritis is the most common cause of disabilit...

Published November 01, 2017

Can I Buy Term Life Insurance Without an Agent?

Joel Palmer

The cost of life insurance is based on rate tables established by the insurer, which are c...