Disability Insurance

Your ability to earn an income is among your greatest assets. Through education, a needs analysis and discussion, we satisfy your need for income protection and assets preservation.

Things to Consider
  • You get what you pay for; Make sure you are purchasing a definition that suits your needs.  Read and understand contractual language.
  • Be sure you understand the “definition of disability” within your policy.  You don’t want to be disappointed at time of claim.
  • Use a representative that specializes in individual disability.  Far too often, financial representatives present and sell a host of disability income (and life products) with marginal product understanding.
  • Use a representative who is not captive with any one company and is able to objectively compare and contrast policy features, language and cost among carriers.
  • It’s important to work with a representative who has firsthand claims experience.  Most individuals selling individual disability coverage have little to no experience in handling claims.  This experience is invaluable at time of claim.
  • Make sure you select a company that is financially sound.  Ratings Agencies such as A.M. Best, Moody’s and Standard and Poor’s specialize in rating insurance companies’ ability to meet its obligations.  You should consider companies rated “A” (Excellent) or better.

The Process

  • Complete electronic quote request.
  • We complete the electronic application process.
  • A representative from Redstone will contact you within 24 hours for a quick needs analysis/risk assessment.
  • We deliver and fully review your policy.
  • We provide and review with you a customized quote(s).
  • We are always available to service and support you as a valued client of Redstone Agency.

The Process

  • Complete electronic quote request.
  • A representative from Redstone will contact you within 24 hours for a quick needs analysis/risk assessment.
  • We provide and review with you a customized quote(s).
  • We complete the electronic application process.
  • We deliver and fully review your policy.
  • We are always available to service and support you as a valued client of Redstone Agency.