Kouzmanoff Financial & Insurance Services

05/08/2023

You insure your home and your car, but what about your biggest asset... your income??

02/28/2023

- Here are three reasons your clients may give you for why they “don’t need disability insurance,” and how to answer them:

Reason #1: “I’m young and healthy. A disability will never happen to me.”
Truth: 1 in 4 people will become disabled and potentially face financial hardship at some point during his or her working life, according to the Social Security Administration. No one knows which side of that statistic they’ll be on.

Reason #2: “I could rely on government benefits.”
Truth: Most long-term disabilities are a result of an injury or illness that is not work-related, and so wouldn’t qualify for Workers Compensation. And if they’re counting on Social Security disability benefits, those only pay an average of $1,100 a month, which would leave them living right around the poverty level.

Reason #3: “I have disability coverage through work.”
Truth: They may, but it’s more than likely they don’t. About 70% of private employers don’t offer long-term disability insurance, according to the U.S. Department of Labor.

The bottom line is this: If you work and rely on your paycheck, you need .

02/15/2023

Disability insurance is more useful and more affordable than you might think.
Here are some little known truths about it:

protection

01/26/2023

you already regularly talk to your clients about their insurance needs. Do you discuss the need for income protection in the case of illness or accident?
DI is the best "just in case" insurance you can get.

01/04/2023

Happy New Year from our family to yours. We hope 2023 brings you health and happiness.

12/22/2022

Hope your holidays are happy and healthy!

12/06/2022

Life insurance is valuable, but only after someone passes away. On the other hand, disability insurance provides the robust safety net your clients need while they're alive and need to pay the bills. Disability insurance is even more critical when considering that one in four of today’s 20-year-olds will become disabled before retirement age.

Don’t let your clients live with gaps in their coverage. Reach out about protecting their income with short- or long-term . I think they’ll find it affordable and necessary once they hear why it’s so important and how it works.

Visit www.kouzfinancial.com for more DI tips or for quotes.

11/29/2022

Do you discuss the need for income protection in the case of illness or accident with your insurance clients?

Here are three diagnostic questions you can use today to begin the disability insurance conversation:
-If you lost your paycheck today, how many months would you be able to pay your bills?
-If you were too ill or injured to work, how would you pay for the increased medical expenses (medical insurance, co-pays, deductibles, etc)?
-Do you know if your job provides disability income benefits? Do you qualify?

Visit www.kouzfinancial.com for more DI tips and quotes.

09/24/2022

Protect your paycheck and those who matter to you the most.

09/22/2022

There is one more often-overlooked type of insurance that shouldn’t be neglected: disability insurance.
Disability insurance acts as a safety net for clients should they sustain an injury or develop a health condition that renders them unable to work and earn a paycheck.
The average worker has a 1 in 4 chance of becoming disabled before they retire, yet very few have disability insurance.

Go to www.kouzfinancial.com for more information or to contact us for a quote.

08/09/2022

43% of all people age 40 and over will have a long-term disability event prior to age 65.

The risk is real. Protect yourself, your income, and your family with .

More info at: www.kouzfinancial.com

07/11/2022

If you sell insurance, disability insurance is a sure way to grow your business (and commissions).

https://www.digital.advisortoday.com/advisortoday/0620_november_december_2020/MobilePagedArticle.action?articleId=1635991&lm=1657240342000

The COVID-19 pandemic has touched all of us in one way or another. Businesses have been impacted, and many people are suffering from lost wages or