Introduction to Disability Insurance
Disability Insurance
Protects your most valuable asset and your ability to earn an income.
Disability insurance pays cash benefits to the policyholder in the event the insured is unable to work due to sickness or injury. That cash benefit ranges from 50% to 70% of income. The insurance company will not pay more than 70% of income because there must be an incentive to return to work.
Disability Statistics
Disability Statistics
Disability can happen to anyone, it's more common than you think.
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There are over 51 million Americans that are classified as disabled, representing 18 percent of the population.
U.S. Census Bureau, Public Information Office, November 2008Read more ...
Our Founder
Kelvin Phillips, LUTCFOur team of dedicated professionals specialize in assisting clients to prepare for the unexpected, insuring they are well informed every step of the way.
Word On The Street
Kelvin is a highly competent insurance professional who stays on top of the latest trends in life, health, and annuity products. He was able to discern effective application for our needs and he has the right blend of integrity and initiative to deliver valuable advice and counsel in an ethical and professional manner”.
Courtney Hayes
Senior Partner Intergen, LLC
Atlanta, GA
Kelvin has been instrumental in helping us locate exceptional health and dental benefits for our staff and he has assessed and augmented our personal life insurance coverage. He has helped us develop a tailored insurance plan that meets our specific goals and improves our financial portfolio. It is without hesitation we refer Kelvin’s services to you and we pray that you will find him as valuable a resource as we have”.
Pastors Billy and D’Ann Johnson
New Covenant Christian Ministries
Lithonia, Georgia
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