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Started By
Message
Disability Insurance -- who is reputable?
Posted on 11/30/13 at 2:52 pm
Posted on 11/30/13 at 2:52 pm
What company would you recommend? Would like reputable, easy to deal with people.
Husband is self employed and due to an error on our part his policy didnt' get paid ... we contacted Farm Bureau as soon as we realized what happened and it's been 2 months since they've done shite ... I'm tired of contacting them and husband still has no coverage. Sad part is the agent we work with is our neighbor (became neighbors AFTER we'd been with him for a while so it's not like we picked him for that reason).
Never had an issue with Farm Bureau before but we need coverage and my patience is gone.
Husband is self employed and due to an error on our part his policy didnt' get paid ... we contacted Farm Bureau as soon as we realized what happened and it's been 2 months since they've done shite ... I'm tired of contacting them and husband still has no coverage. Sad part is the agent we work with is our neighbor (became neighbors AFTER we'd been with him for a while so it's not like we picked him for that reason).
Never had an issue with Farm Bureau before but we need coverage and my patience is gone.
4
Posted on 11/30/13 at 3:38 pm to tiger91
Northwestern Mutual
Guardian
Guardian
Posted on 11/30/13 at 3:45 pm to RebelOP
Thanks a bunch.
Posted on 11/30/13 at 4:41 pm to tiger91
Guardian has solid DI products
Posted on 11/30/13 at 4:46 pm to tiger91
DI for self employed is difficult to get.
Posted on 11/30/13 at 4:54 pm to Lsupimp
We ignored the bill as we thought it was something we had paid. The amount was the EXACT same as our HO policy except the .xx was different ... we thought it was a duplicate bill. For some reason, Farm Bureau doesn't label their bills with "disability" or "produce" or "life" or "auto" if it's not a monthly draft statement.
SO as soon as we realized (when we got the cancellation notice) I called and we figured out what happened. I swear that was late August/early September. This sucks. They better reinstate it as WE contacted them and asked what we needed to do ... the agent is going through a divorce and now his dad had a stroke and as much as I like him, those aren't my problems and he needs to continue to provide customer service.
Yeah, I'm not real happy.
SO as soon as we realized (when we got the cancellation notice) I called and we figured out what happened. I swear that was late August/early September. This sucks. They better reinstate it as WE contacted them and asked what we needed to do ... the agent is going through a divorce and now his dad had a stroke and as much as I like him, those aren't my problems and he needs to continue to provide customer service.
Yeah, I'm not real happy.
Posted on 11/30/13 at 7:08 pm to tiger91
Pull the rest of your business from him.
Posted on 12/1/13 at 7:30 am to boosiebadazz
We use Ameritas Life for DI. I liked the future increase rider they offered. It is perfect for my wife.
Posted on 12/1/13 at 8:54 am to TheWiz
Be sure to check with any professional organizations/ associations you belong to...great avenues for disability and life insurance
Posted on 12/1/13 at 1:38 pm to Tigerpaw123
Basically what does your husband do? Different companies are better depending whether it is white collar or blue collar coverage. Also whether his profession allows for alternate means of income if he suffers a partial disability, etc.
Posted on 12/1/13 at 1:49 pm to jimlsu1
He's a rice/soybean/crawfish farmer (yeah, save me the crap please). And I'd love to pull the policies we have (we seriously have like 15 between personal and business) BUT the 1 freaking policy that we need for the business is NOT offered anywhere else that we've have ever found. So that option is a great suggestion but not doable.
Thanks. And technically, if he were ever partially disabled, he does have both a BS and an MS so he could do other work.
Thanks. And technically, if he were ever partially disabled, he does have both a BS and an MS so he could do other work.
Posted on 12/1/13 at 1:53 pm to tiger91
quote:
he does have both a BS and an MS so he could do other work.
A degree doesn't guarantee a job. Plenty of Ph.D.'s out there that aren't earning squat. Not trying to be a dick, just might want to be sure his skills are actually marketable. A degree plus enough years' experience may just translate into "sorry but you're overqualified".
Posted on 12/1/13 at 10:34 pm to tiger91
Principal or Illinois mutual have pretty good DI products. Some companies are cater more to white collar vs blue collar or vice versa so just do some research if FB will not reinstate.
What does your husband do?
What does your husband do?
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