Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

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Workers Comp Insurance WORKERS COMP

A standard policy can help insure your business from future incidents.

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Home & Auto Insurance HOME & AUTO

Auto insurance protects you against financial loss if you have an accident.

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Annuities ANNUITIES

Browse a variety of insurance options in order to find the right one for you.

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Life & Health Insurance LIFE & HEALTH

Learn about health coverage options that fit your specific needs.

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Federal Employees FEDERAL EMPLOYEES

Forms, Definitions and Lifestyle information 

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There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):

    Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.

    Long Term Disability policies (LTD)
have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability policies have two different protection features that are important to understand.

  1. Noncancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.
  2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

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 Armar Insurance Group is an independent broker representing dozens of major Insurance Companies

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