Term life insurance rates continue to fall, especially on face amounts of $500,000 and above.  20 year term policies still offer the best value due to competition.  Every carrier has a 20 year term, but the same cannot be said of 10, 15, 25 or 30 year products. 

Disability Income Insurance is much less expensive than most people realize.  Depending on your occupation, premiums are just 1 - 3% of gross income.

The question then becomes, would you rather have a job that pays $50,000 per year or a job that pays $49,000 per year with 100% net income replacement in the event that you become disabled?

Please call 402-991-2894 or email Bill@neumanfinancial.com for a customized Disability Insurance quote shopped among A-rated carriers by an independent agent.

Interesting article on how the new Healthcare Reform Bill is going to effect us when we choose our Health Insurance:

 View Healthcare Reform Document