Disability insurance via AMA

[EMFreakz]

anyone know what type of rates and how good disability is through AMA? Or , any of the rest of their products?

Thanks!

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[MD Financial Services Scott]

Its not great at all if you want a really high quality fixed rate, own specialty, loss of income to trigger benefits not a total clause in the waiting period contract. Now if you are ok with the definition of Disability being Not Engaged, a Total and Continuous clause in the waiting period, premium rate increases at age 40, 45, 50, 55, 60, and 65. Finally you also need to understand they will have the sole right to change ANY provision in the policy along with the premium any time they want with a 60 day notice to you. In my opinion it is kind of punishing when you have 30-40 years in front of you but have that many variables. Let us know if we can be of service to you.