LTG Insurance Group

A typical Individual Disability Income Protection plan starts to pay benefits after you have been off work for 1 to 6 months, and pays benefits for several years or until retirement age, depending on the policy.

Medicare Supplements only pay after Medicare pays its share first. If Medicare approves a claim and pays the part that Medicare owes, it will forward the remainder of the bill to your Medicare Supplement.

Contingent Beneficiary: Is a secondary beneficiary who will receive the death benefit if the primary beneficiary dies before the insured.

Life Insurance 101: Specific policies, including simplified issue coverage have no medical exam requirements for underwriting. Instead, you only have to answer a series of questions about your medical history. It benefits those that may have a pre-existing condition.