Applying for disability insurance is like applying for a mortgagethe lender is considering
you as a risk based on your good credit, steady income, and certain other factors.

Mortgage loan agreement application with  key on house shaped ke

What happens if your credit report is not as good as it should be?
The lender will have questions and charge you more in interest or tell you they won’t make you a loan at all.   

What happens if your income has not been steady?
More reason why you will not get the best interest rate.

It’s the same with applying for disability insurance.
If you’re being treated medically for a condition or taking prescription drugs for an underlying medical issue, you can expect
an offer with an exclusion or exclusions, modified or restricted benefits, or require an additional premium charge.   

Marc Maretsky Personal Insurance Services based in Beverly Hills, serves all of California and the United States.  I help my clients acquire life, disability, long-term care, and critical illness insured solutions, as well as enroll them into Medicare when eligible.

“No matter how fast technology changes our world and everything around us.  I believe the personal touch and a human voice are more important than ever.”

The purpose of MY WEBSITE is to provide insurance concepts and ideas of interest to my clients, favorable introductions, other professionals or anyone else who may be viewing this information.  The content is general in nature and subject to change.  It should not be considered complete advice on any company, product or ideas described.  Your appropriate attorney, CPA or tax advisor should be consulted for legal or tax reasons regarding your personal situation.

Please note my website has been optimized for viewing on larger screens.  If you’re looking at it on a cellphone or tablet, please click the "Desktop Site" setting to see it in its best form.