Find out why you should insure your earnings/income! Call or write for one of our many published disability articles. eg. How to select the Ideal Disability Income Insurance Policy. Even if you already have a policy, learn if it is claims-driven or contract-driven. One will always out perform the other at claim time. You may even qualify for a policy that will refund 80% of your premium (less claims). For answers to the most Frequently Asked Questions (FAQ) Click Here to learn why group LTD or association coverage has deficientcies.

Can't find disability insurance coverage? Rejected? Turned down? Uninsurable? Whether you are a consumer, an agent or know of someone who needs coverage, we can provide a quote for the best possible disability insurance coverage / policy even if there are health or other problems, such as: home-based, new business, working abroad, over-age, over-insured and needing higher than normal issue limits, overweight, dangerous or unusual occupation, blue/gray collar worker or a government worker. TIP FOR AGENTS: now is the time to review your files for applications previously turned down and send them to us for a prompt quote.

Have a problem with a disability insurance claim that has been inappropriately denied? Call for expert witness/consultation. We can help in getting it overturned and paid. For best results let us help you prepare your claim before it is submitted. Refer to one of our many published articles on denied claim.

DIRC provides answers to the most frequently asked questions (FAQ). We will be pleased to answer any other questions you may have. Request a Quote for more information.

Larry Schneider has been specializing in the disability insurance field since 1972 and his experience has made him one of the nation's leading experts on Disability Income Insurance.

For more free information on any of our many disability insurance services or sales aids and products click here. Material will be sent out immediately upon receipt and will be kept confidential.