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Commercial Insurance

Disability income insurance claims have increased dramatically over the last several years. It seems that there are also a large number of claim being denied. Insurance companies claims departments  have been told to “tighten-up.” Claims that would have once been routinely paid are now being denied due to industry trends, misunderstandings, lack of consumer knowledge, inability to contest, and lower returns on investment. So, it is important to look at the company behind the policy when making your decision.  For my money, I would rather go through the underwriting process when I apply and not when I might file a claim and hold my coverage with a financially sound company that has a long history of stability and positive claims payments. More >