You might be thinking, “Is it important to work with a disability insurance specialist even if I already have a financial advisor?” The answer to this is absolutely, yes.
A really good disability insurance specialist takes the complex, quirky, and some might even say weird, concept of own occupation disability insurance, and makes it easy. There are multiple components, definitions and terms that make up quality disability coverage. If any of these are missing, you could easily regret it at claim time. Of course by then it’s too late to close any gaps. So it’s important to rely on an expert who knows these terms and provisions.
Some people make the mistake of purchasing their policy from a general financial planner. The good planners admit they cannot keep up with investment fluctuations, market conditions, tax law and budgeting, while also keeping up with the disability insurance landscape.
Since many people change financial planners multiple times during their lifetime, working with a dedicated disability specialist can be a wise consideration. If you’re interested in having a disability specialist help you get this part of your financial life exactly right, please give us a call or text us at (704) 707-5788.
Billy Gwaltney
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