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 2005, helping my fellow 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.

How much will this cost?

This is the number one question I get. Pricing depends on:

Your occupation (what occupation are you engaged in that you are receiving your income from)

Your age (pricing goes up with age)

How much income needs to be insured (the more money that needs protecting, the higher the premium)

Your gender (Not-So-Fun-Fact: Females pay more)

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.

What does disability income insurance cover?

This type of insurance protects your paycheck in the event of injury or illness.
 
There can be many features (riders) to choose from when designing a comprehensive plan.
 
Each rider should be considered and fully understood when applying.
 
Not sure where to start? I can help!

Why is this 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. 

Applying for coverage when you are already injured or sick will not result in protecting your paycheck from that pre-existing condition.

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.
1 in 4!

Applying for both a comprehensive disability contract and a term life insurance policy is the ideal starting point.

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 have found that very few people understand their employee benefits and this can be costly when you
file a claim.

I ask potential clients to supply me with their benefits information so I can explain what they already have and evaluate if all income is adequately insured.

Most people do not know that employer-paid benefits will be taxed, resulting in loss of 60-65% of pre-disability income.

Why did you focus on disability insurance coverage for dental hygienists?

I worked in healthcare for 37 years. I’m a hygienist and wanted to help others like myself.

Healthcare has its own language (just ask any patient) and the insurance industry has its own, too (just attempt to read your policy).

Who wants to research insurance contracts, learn what the policy language means and hope you’ve chosen the right path? I speak both languages and help take the “guess work” out of this decision.