At DTR Insurance Solutions, we take a look at the big picture and ask ourselves, "If we were in the client's shoes, what insurances would we put in place and why?" As a completely independent insurance broker and we go to the market to shop for insurance coverage. No matter which products are being looked for, we will always have the best interest of the client in mind every step of the way. You can find a brief overview about the products we offer below, or you can click here for a more in-depth analysis of each one.
Life insurance is SO important... therefore we like using big companies for individual Life insurance, like John Hancock, Lincoln, Principal, Protective, and Prudential, among others. These types of household name companies often have options to convert the policy from a Term Life insurance policy to a permanent Life insurance policy as a client gets older, often without having to provide evidence of insurability.
In the world today, one's greatest asset is the ability to earn an income... Long Term Disability replaces most of your lost income if you get sick or hurt and can't work! Ameritas is typically where we start for LTD; although, depending on the occupation of the client, sometimes we decide to go with Assurity or Principal. Either way, we put a great emphasis on the specific definition of 'total disability' as well as the applicable policy.
Long Term Care
Though the market for Long Term Care has shrunk dramatically over the past few years, the importance of establishing a way to fund our care as we get older has only increased as more and more Americans enter retirement age. Nationwide has one of the best true LTC riders on the market; however, many other companies have solid chronic illness riders on their permanent LI products. Due to the dearth of options available to us in the marketplace, combining ones Life insurance with a LTC rider often is the most affordable and cost-effective option.
Group Benefits
As far as group insurances go, I've found Reliance Standard to have very solid group LI, STD, and LTD if the small business owner doesn't want to pay for individual LI / LTD. There are many benefits to your business in establishing an affordable group insurance package. Contact us today to request a quote.
