Stephens Insurance Design Group, LLC

If Suddenly you were sick or hurt...

What would happen if suddenly you were sick or hurt and could not earn an income?  Where would the money come from to pay your bills and to keep a roof over your head? 

No one thinks it is going to happen to them, but one out of every seven people ages 35 to 65 will suffer a disability lasting at least five years.  Could you go without a paycheck for five years?

Your chances of becoming disabled prior to age 65 is three times greater than dying before age 65 if you are age 42 or younger.  At age 52, it is still over twice as likely that you will become disabled as opposed to dying before you reach age 65.

More concerning is the fact that up until this last credit and housing crisis we are going through, almost half of all foreclosures were the result of a disability.

We offer solutions to this problem.  Let us transfer the risk of your being sick or hurt to an insurance company that can provide you with an income if you can't work when you are sick or hurt.  The cost is less than you think.

Even if your employer provides Long Term Disability, keep in mind that if the employer pays the premium for the coverage, you will be taxed on the plan.  Most employer plans only provide 50-60% of your pretax income and taxes will come out of that.  We can help you find some supplemental coverage to get your coverage up to about 80% of your pre-disability income.  

Some employers will allow you to buy up an additional amount of disability coverage beyond the base 50-60% they provide for you.  While you pay that premium, keep in mind that when you leave you may not be able to take that coverage with you.  Even if you can take it with you, the premium for the coverage could be increased.  We can help you find coverage on your own that you can keep no matter who you work for, and we can lock in your premiums at today's rates. 

Let us take a look at your present policies or group benefits to see if we can help you protect your most valuable asset...your ability to earn an income. 

Call us or email us for a no cost review of your current benefit program or a review of your needs to make sure you are protected from catastrophic medical costs, disability, premature death, or living too long.

480-948-8853 or toll free 866-749-8770 email info@sidgaz.com

Want to leave a legacy?

Want to leave a legacy to your college, charity, church or other non-profit organization but don't have the assets to do so? 

Life Insurance can help you create a legacy and help your favorite organization.  There are significant financial beneits for the organization receiving the gift, and for you giving the gift. 

• The organization will receive a sizable gift it might not have otherwise have received. 
• The amount of the gift is guaranteed.  It won't fluctuate like a stock portfolio.  
• If the policy is an outright gift, the organization has access to the cash value and dividends even in your lifetime.
• Death proceeds are not subject to federal income taxes so the the organization will receive the entire face amount of the policy.

For you:

• You are not depriving your family of any assets.
• You will be remembered in a positive way.
• The great feeling that comes from giving.
• Charity on the installment plan...you give because you've got it or you got it because you give.
• If the policy is an outright gift, you may receive a current income tax deduction for the annual charitable gift that in turn funds the premium payments.

Call us or email us and let us tell you how little it costs to leave a legacy for your favorite college, church, charity or other non-profit organization.