Three different insurance products may comprise an Income Protection Plan. Disability income insurance replaces your income when illness or injury impairs your ability to earn an income. Life insurance seeks to provide replacement of income for your family after your death. Long-term care insurance seeks to protect your wealth and assets from costly medical and nursing-care expenses you may incur during an extended period of illness or injury.
We offer access to a wide range of personal insurance products to our clients. Below, you can familiarize yourself with the different insurance products and several of the leading insurance companies. Our services allow you to choose from nearly all insurance companies operating in the United States. As a result, we can match a product to your specific needs and goals while considering the insurers’ financial ratings, contractual provisions, and cost.
Our insurance brokerage service allow us to recommend the appropriate disability income insurance policy based upon your occupation (medical specialty), State of residence, medical history, and any suggested optional provisions (riders), e.g. partial/residual disability benefit rider, inflation protection rider (COLA), student loan protection rider (SLR), catastrophic disability benefit rider (CAT), retirement protection rider (RPP), future insurance option rider (FIO), etc. To determine the amount of coverage you should maintain, click here to view the Income Ratio Guide.
Several of the leading providers of individual disability insurance are listed below:
Our insurance brokerage service searches a database of more than 240 life insurance companies to find the strongest insurer and the best value based on your specific needs, e.g. length of coverage, renewable and conversion age limits, etc.
Several of the leading providers of term life insurance are listed below:
Our insurance services allows us to recommend the appropriate long-term care product based upon your specific needs. Several of the leading providers of long-term care insurance are listed below:
Contact us today at (818) 783-6620 or by email at email@example.com for a complimentary, no obligation consultation to learn more about how Kaplan Financial can help you pursue your financial goals.
Note: Riders are additional guarantee options that are available to an insurance contract holder. While some riders are part of an existing contract, many others may carry additional fees, charges and restrictions, and the policy holder should review their contract carefully before purchasing. Guarantees are based on the claims paying ability of the issuing insurance company.
Insurance products sold in CA are offered through Kaplan Financial & Insurance Services