Free Disability Insurance Quote for Alaska Residents

If you’re a resident of the state of Alaska I can help you choose the best disability insurance policy for your needs. I’ll also help you understand the difference between long term and short term disability insurance. I can help you buy your policy from the comfort of your own home. Please give me a call today at 1-877-221-6198 or fill out the form above to get started.

~ Jeff Pennington, Owner
Pennington Financial Disability Insurance Services

As a nurse practitioner, you probably make between $60,000 and $140,000 per year or more. You may have large monthly expenses as well, such as school loans, a home mortgage, and perhaps private school tuition for your kids. Insuring your nurse practitioner income is really just part of a sound financial plan.

• You’ll be able to review rates from Guardian and Berkshire, two of the leading providers of individual disability insurance
• We quote all the major disability insurance carriers so you’ll have many quotes to compare
• We’ll help you learn more about the options available to protect your physical therapist income

Back injuries, cancer, heart disease, and other illnesses cause the majority of long-term disability. In fact, if you’re around the age of 40, your chances of experiencing a disability prior to age 65 which lasts three months or greater are 21% or approximately 1 in 5.

Let us help you find disability insurance information, coverage and rates that fit into your over-all financial plan. Give Jeff Pennington a call at 1-877-221-6198 or use the form on the right to request a quote, get answers to your questions, and find the right policy.

The Own Occupation definition of disability truly applies to all occupation classes.

The Compassionate Care Benefit pays a monthly benefit if the insured has a loss of earnings of 20 percent or more while caring for a loved one with a serious health condition.

An automatic increase benefit for individuals under age 60, means they raise the policy’s basic monthly benefit by 4 percent each year during the increase period without evidence of insurability.

The total disability benefit pays benefits to insureds who cannot work in their regular occupations because of a total disability, as defined by the policy.

They presume the insured is eligible for the total disability benefit if an injury or illness results in loss of speech, hearing, sight or the use of two limbs, as defined by the policy.

If the insured is partially disabled, they’ll pay 100 percent of the basic monthly benefit for the first six months regardless of the income the insured earned while returning to work. Afterward, they pay a portion of the benefit based on the amount of income lost that month.

If the insured participates in a rehabilitation program to prepare for returning to full-time work, they’ll pay for part or all of the costs.

After the insured recovers from a disability, they pay recovery benefits if the insured continues to experience a loss of income due to the injury or sickness that caused the disability.

There are no coverage limitations on the benefits they pay for disabilities caused by mental disorder or substance abuse.

The Standard will pay a survivor benefit for three months beyond the date of the insured’s death, if the insured dies while disability or recovery benefits are payable.

They pay a monthly benefit if the insured is disabled more than six months after the policy’s effective date from a sickness or injury caused by cosmetic or transplant surgery.

They will waive all premiums due under the policy while disability or recovery benefits are payable.

Coverage is guaranteed renewable to the termination date (the policy anniversary after age 67) as long as the premium is paid on time. The Standard Insurance company will not change any part of the policy, except for the premium. Even then, they may only change the premium after the policy is three years old and if the change applies to all policies with similar benefits insuring the same risk class.

Call Jeff Pennington today at 1-877-221-6198 and let him help you make the best choice for your disability insurance policy. It helps to have an expert on your side to get the best rates and policy available from the right disability insurance provider.

The Standard  Insurance  company has a Compassionate Care™ disability insurance benefit that pays a monthly benefit if the insured has a loss of earnings of 20 percent or more while caring for a loved one with a serious health condition.

A loved one includes a parent, a spouse or domestic partner, or a child (including an adopted child or stepchild of a spouse or domestic partner).

If you find yourself in the position of having to work full-time and take care of an ailing child or spouse, compassionate care coverage, insures you’ll be covered for that loss of income.

Call Jeff Pennington today at 1-877-221-6198 and let him help you make the best choice for your disability insurance policy or to learn more about The Standard Compassionate Care™ benefit. It helps to have an expert on your side to get the best rates and policy available from the right disability insurance provider.

The own occupation definition reads “If you have limited your practice to a professionally recognized specialty in medicine or law, then that specialty will be deemed your Own Occupation.

As an attorney, your income is one of your most valuable assets. How would you replace your income if you are unable to practice for an extended period of time due to an illness or injury?

Even if you have employer-provided disability income insurance, it may not offer enough protection or flexibility.

Protector Platinum℠ Individual Disability Income insurance from Standard Insurance Company offers industry-leading advantages for attorneys.

Watch A Short Video To Learn More

Check out this two-minute video. You‘ll meet Kelly and Ryan – lawyers on separate career paths, but with a common need for Protector Platinum. Kelly is a partner in a boutique firm with no disability income insurance. Ryan works for a national firm, with basic group long term disability insurance. The video demonstrates key advantages Protector Platinum offers each attorney.

Call Jeff Pennington today at 1-877-221-6198 and let him help you make the best choice for your own occupation disability insurance policy. It helps to have an expert on your side to get the best rates and policy available from the right insurance provider.

Personal bankruptcy often limits your ability to acquire disability insurance at affordable rates. Insurance companies will often consider your low credit rating a business risk, because you may not be able to pay premiums on time. They will often charge higher premiums and might limit your access to the best pricing for policies.

Here are a few tips about getting disability insurance coverage after a bankruptcy:

1. Put together a file of documentation that shows your ability to pay your current bills on time. If you’ve been paying your bills on time since your bankruptcy and can show documentation to an insurance company, you will be more likely to get better pricing on a policy.
2. Compare the rates for disability insurance policies from several companies.
3. Discuss your current financial situation with us and let us see if we can help you find good coverage. We’ll check to see if you are eligible for any discounts as well.
4. Keep paying your auto loan, credit cards, and mortgage on time. Disability insurance companies have been impacted by the current economic recession and some have started easing their policies on bankruptcy.
5. Contact your disability insurance company if you think you’ll be late on a payment. Your bankruptcy history may result in the company marking your account past due quicker than a normal policy holder. Think about using a payment plan to pay premiums so that you won’t accidentally miss a payment.

Call Jeff Pennington today at 1-877-221-6198 and let him help you make the best choice for your disability insurance policy. It helps to have an expert on your side to get the best rates and policy available from the right insurance provider.

If so, contact us and we might be able to get you the disability insurance policy you need for your medical condition. Disability insurance companies often choose not to insure people with certain medical conditions because of the increase in risk for these policies. We work with multiple disability insurance providers and some of them are willing to insure people that other companies say are too risky.

If any of the following situations applies to you, call us today to see what we can do. There’s never any charge to you for us to try to improve your disability coverage options, or help you get a disability insurance policy if you’ve been denied coverage for health or disease conditions.

Our high risk medical condition disability insurance policies feature:

• A simple and fast application process.
• A short application.
• No blood work or medical exams!
• Monthly premiums as low as $27.
• Our expertise in guiding you through the options.

If you’ve been denied insurance because of the following diseases or illnesses  contact us for a free disability insurance quote. Items marked with an asterisk * will require individual consideration.

• Acromegaly
• Coronary Artery Disease/By-pass
• High Cholesterol
• Parkinson’s Disease
• ADD/ADHD
• CREST Syndrome
• Hodgkin’s Disease
• Pemphigus Vulgaris
• Addison’s Disease
• Crohn’s Disease
• Huntington’s Chorea*
• Peripheral Vascular Disorders
• Alcoholism
• CVA/Stroke
• Hypogammaglobulinemia
• Pernicious Anemia
• Amputations
• Deafness
• Idiopathic Thrombocytopenia Purpura
• Poliomyelitis
• Aneurysm
• Deformity
• IGA Nephropathy
• Polycystic Kidney Disease
• Angina Pectoris
• Depression
• Ileitis
• Polycythemia Vera
• Angioplasty
• Diabetes
• Intestinal Bypass
• Polyneuritis
• Antibody Syndrome
• Diverticulitis
• Leukemia
• Pyelitis
• Antiphospholipid
• Drug Abuse
• Lupus, Discoid
• Reflex Sympathetic Dystrophy
• Anxiety
• D.U. I.
• Lupus, Systemic
• Regional Ileitis
• Aplastic Anemia
• Dwarfism
• Mastocytosis
• Rheumatic Heart Disease
• Arteriosclerosis
• Elevated Liver Enzymes
• Melanoma
• Rheumatoid Arthritis
• Arthritis
• Emphysema
• Meniere’s Disease
• Sarcoidosis
• Asthma
• Encephalitis
• Mental/Nervous Disorders
• Scleroderma
• Behcet’s Syndrome
• Epilepsy
• Multiple Sclerosis*
• Sickle Cell Anemia*
• Bell’s Palsy
• Erythemia Nodosum
• Muscular Dystrophy*
• Sleep Apnea
• Berger’s Disease
• Esophageal Varices
• Myasthenia Gravis
• Spondylitis, Ankylosing
• Bipolar Disorders
• Eye Disorders
• Narcolepsy
• Stroke
• Brain Syndromes
• Factor V Leiden
• Nephrectomy
• Suicide Attempt
• Cancer
• Fibromyalgia
• Nephritis, chronic
• Syncope
• Cardio-Renal Disease
• Fistula
• Nephrotic Syndrome
• Thalassemia major
• Cardiomegaly
• Glaucoma
• Obsessive Compulsive Disorder
• Thrombocytopenia
• Cerebral Palsy
• Glomerulonephritis, Chronic
• Osteitis Deformans
• Transient Ischemic Attack
• Cholesterol
• Hearing Impairments
• Osteomalacia
• Tuberculosis
• Chronic Fatigue Syndrome
• Heart Attack
• Osteomyelitis
• Ulcerative Colitis
• Chronic Lymphocytic Leukemia
• Heart Murmurs-Organic
• Overweight-Obesity
• Underweight
• Cirrhosis*
• Heart Valve Replacement
• Pacemakers
• Vertigo
• Complex Regional Pain Syndrome
• Hemochromatosis
• Paget’s Disease
• Wilson’s Disease
• Convulsions
• Hemophilia
• Pancreatitis, chronic
• Cooley’s Disease
• Hepatitis
• Paralysis
• Cor Pulmonale
• High Blood Pressure
• Paraplegic

Call Jeff Pennington today at 1-877-221-6198 and let him help you make the best choice for your disability insurance policy. It helps to have an expert on your side to get the best rates and policy available from the right insurance provider.

If so, contact us and we might be able to get you the disability insurance policy and coverage you need for your high risk job. Disability insurance companies often choose not to insure workers with dangerous jobs, because of the increase in risk. We work with multiple disability insurance providers and some of them are willing to insure people that other companies deem too risky.

If any of the following situations applies to you, call us today to see what we can do. There’s never any charge to you for us to try to improve your disability coverage options, or help you get a disability insurance policy if you’ve been denied coverage.

• You’ve been denied by your traditional carrier
• You’ve been considered uninsurable or difficult to insure
• You’ve been suffering from a pre-existing medical condition or working in high risk occupation
• You’ve been self employed, relying on commissions or home based employment
• You’ve been accepted on DI but with several unacceptable medical exclusions
• You’ve been covered by a capped Group Disability insurance but still seeking additional coverage

Call Jeff Pennington today at 1-877-221-6198 and let him help you make the best choice for your disability insurance policy. It helps to have an expert on your side to get the best rates and policy available from the right insurance provider.

As a CRNA, you probably make between $77,000 and $197,000 per year or more. You may have large monthly expenses as well, such as medical or nursing school loans, a home mortgage, and perhaps private school tuition for your kids. Insuring your CRNA income is really just part of a sound financial plan.

• You’ll be able to review rates from Guardian and Berkshire, two of the leading providers of individual disability insurance
• We quote all the major disability insurance carriers so you’ll have many quotes to compare
• We’ll help you learn more about the options available to protect your CRNA income

Back injuries, cancer, heart disease, and other illnesses cause the majority of long-term disability. In fact, if you’re around the age of 40, your chances of experiencing a disability prior to age 65 which lasts three months or greater are 21% or approximately 1 in 5.

Let us help you find disability insurance information, coverage and rates that fit into your over-all financial plan. Give Jeff Pennington a call at 1-877-221-6198 or use the form on the right to request a quote, get answers to your questions, and find the right policy.

As a nurse anesthetist, you probably make between $50,000 and $197,000 per year or more. You may have large monthly expenses as well, such as medical or nursing school loans, a home mortgage, and perhaps private school tuition for your kids. Insuring your nurse anesthetist income is really just part of a sound financial plan.

• You’ll be able to review rates from Guardian and Berkshire, two of the leading providers of individual disability insurance
• We quote all the major disability insurance carriers so you’ll have many quotes to compare
• We’ll help you learn more about the options available to protect your nurse anesthetist income

Back injuries, cancer, heart disease, and other illnesses cause the majority of long-term disability. In fact, if you’re around the age of 40, your chances of experiencing a disability prior to age 65 which lasts three months or greater are 21% or approximately 1 in 5.

Let us help you find disability insurance information, coverage and rates that fit into your over-all financial plan. Give Jeff Pennington a call at 1-877-221-6198 or use the form on the right to request a quote, get answers to your questions, and find the right policy.