Frequently Asked Questions
Regardless of their age, relationship status or career my clients are in, they ALL have the same concerns.
Below are some of the most commonly asked questions and their short-versioned answers but I encourage you to set up an appointment with me so we can discuss more of your personal concerns in more detail.
Do you only work with women?
No. I began my insurance practice in 2004, helping dental hygienists find and secure quality disability income insurance contracts.
I do, however, have a high volume of female clients and I am passionate about all women being at the table to understand and be involved in financial decisions.
I believe we all have someone we lean on when making financial decisions. That “someone” is always welcome at the table and if you are building a life with someone, they should become part of the conversation at some point, too.
Money is one of the top 5 reasons for divorce. Let’s be proactive and preventive.
How much will this cost?
This is the #1 question I get.
There is no fee to reach out to me for a quote and/or options. Cost should never be the deciding factor when choosing a policy.
Cost (premiums) depends on MANY factors, a couple being:
• Age
Pricing goes up with age
• Gender
Not-So-Fun-Fact: Females pay more for disability/paycheck insurance; males pay more for life insurance
Let’s chat about YOUR situation and look for solutions. I can provide details and options with a short phone call.
What does disability income insurance cover?
Why is insurance so difficult to purchase?
You must qualify for coverage.
Insurability depends on many factors when applying for insurance.
For example: You can not buy fire insurance if your house is currently burning down.
Your health can play a part in what you’re eligible for and can be a factor in premiums.
NEVER disqualify yourself. With a short phone call, we can discuss pre-existing conditions & other factors. Not all are treated the same or have as much impact on getting insurance.
Which is priority: disability or life insurance?
Simply put, disability insurance is income replacement in the event of injury or illness.
Life insurance is income replacement in the event of death.
Another Not-So-Fun-Fact: 1 in 4 adults will experience a disability during adulthood, according to a 2023 Centers for Disease Control and Prevention (CDC) infographic entitled Disability Impacts All of Us.
1 in 4!
Applying for both a comprehensive disability contract and a term life insurance policy can be a good starting point.
How much life insurance should I have?
No one likes to pay premiums and most people start out wanting the cheapest option available.
Cheaper is not always better.
Life insurance can be very simple: money is paid to a beneficiary when a person dies.
Life insurance can be very complex and can use $1 dollar to do many jobs simultaneously.
Deciding on the amount and the kind is very important BUT the most important job of life insurance? Are there is enough ZEROS on the check for those left behind.
I can help you figure out how many zeros make sense for your situation.
Should I apply if I know I have a preexisting condition?
Looking into your options before answering that question is exactly how I work with clients.
What you may believe will preclude you from coverage, may not be true. Having a potential exclusion is not reason to not apply for coverage.
I never believed that my left thumb would cause the loss of my own dental hygiene career (I am a right-handed practitioner). A pre-screening prior to application may be
recommended.
I have group coverage at work. Why would I apply for more insurance?
I ask potential clients to supply me with their benefits information so I can create a snapshot and explain how they might work if they ever need to file a claim.
We can then decide if the benefits are adequate and how taxes might impact any benefits that might be paid.
I have found that very few people understand their employee benefits. This can be a costly mistake and worth a complimentary review and analysis.
