Blog

People often ask us, “Is universal life insurance a good choice for me?” This is a good question. A universal life...

One question we hear often is, “Are my disability insurance benefits taxable to me?” If the premium for your...

One question we’re often asked is, “Do I pay an additional fee to use a broker to help me obtain disability...

A common question many people have is, “What is COLA and how does it work?” COLA stands for the Cost of Living...

A common question we’re asked is, “What is a future insurability option?” A future insurability option is a rider...

We are often asked “What is a residual benefit and what makes it important?” Being residually disabled is often...

A common question we’re asked is, “Once my specialty disability policy is issued, can the insurance company ever...

A question we’re commonly asked is, “What happens to my coverage if I decide to work outside the United States?”...

A question we’re commonly asked is, “What is the ‘own occupation’ or ‘specialty occupation’ definition of...

Billy Gwaltney’s focus is providing specialty occupation disability insurance protection for physicians. His firm...