Welcome to Kouzmanoff Financial & Insurance Services, Inc.
Our Case Management team can assist you with all of the underwriting and contracting requirements of your individual disability applications.
We will verify application information and underwriting requirements to expedite the processing of your applications. This can, at your option, include ordering of medical exams and other underwriting requests which may be ordered by the insurance carrier.
We also work closely with our underwriters to assure your DI client the best possible occupational class ratings which can have the most positive effect on their ultimate premium and coverage.
Policy delivery requirements are also monitored closely by our case management team to achieve the best results for your clients protection and the fastest turnaround time for commission payments.
Disability Buyers
- CXO Executives
- Professionals
- Blue Collar Workers
Special Risk Disability
- Entertainers
- Professional Athletes
- Untraditional Careers
Disability for Owners
- Buy-Out Policies
- Overhead Expense
- Business Protection
Disability Guarantees
- Renewable
- Non-Cancelable
- Affordable
Current Disability Rates Table
- 6.22%
- Home
house units will catch fire - 5.76%
- Auto
motor vehicle accidents - 5.80%
- Injury
age 25-64 suffer a disability
Don't forget to protect your most valuable asset... your ability to earn an income.