Confessions of an Idealistic Insurance Advisor


We try to help everyone. We really do. As a General Agent in the Disability and LTC market, we process hundreds of apps per year, and we are acutely aware of our limitations when it comes to providing coverage for all of our esteemed applicants. We have more options than ever when it comes to streamlined underwriting (Guarantee Standard Issue, Group LTD, Simplified Issue), but there are some cases that will inevitably fall into the "Special Risk" category that require a higher price tag commensurate with the higher risk. Then there are some people who are in the throes of the battle of their lives, for their lives. They face their malady with courage, determination, and often some level of fear. In those times it is helpful to join a community of like-minded people. It helps to see the success that others have won, and to support those who have befallen their fate. We aim to support the people in these communities. There is such a fractured need with thousands of groups that need funding for research and community support--for awareness and treatment. There are many noble ventures with big, big goals. However, there is one perennial all-star that has a mission which is directly tied to our own, and that's the Alzheimer's Association. ONE THIRD of Americans over the age of 85 suffer from Alzheimer's or dementia. That number is expected to grow to as many as 16 million by 2050, as we trend to living longer each year. Over half of LTC claims are related to Alzheimer's and dementia. Some claims can last 20 years or more. Billions of dollars will be poured into the cost of long-term care services, specifically supervised care, in our lifetime. The rate of Alzheimer's and dementia has the potential to change the scope of how we think of long-term care services in the future. The path is uncertain for all of us unless we can find a way to change the course of this disease. Together, we can end Alzheimer's disease. Please consider making a donation to advance the care, support and research efforts of the Alzheimer's Association. Thank you for joining us in the fight against Alzheimer's and dementia!
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800.924.2294
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415.472.7637
4302 Redwood Hwy, Suite 400
San Rafael, CA 94903
Bay Area Disability
Insurance Services, Inc.
CA License #0647178