Life & Disability Insurance

Life Insurance

Many individuals plan on eventually purchasing life insurance, but become overwhelmed with the many options available to them. By choosing to partner with Malden Solutions for your individual life insurance, you work with a skilled full-service insurance broker that can help you confidently select the right life insurance policy for you and your family. Our insurance benefit consulting team can consult with you to find the best carrier for your needs and the perfect amount of coverage.

While life insurance is not something most people want to think about, the application process is seamless and simple. Thanks to our access to preferential underwriting and our long-standing relationships with insurance providers, your life insurance procurement process will be as simple as it gets.

Term Life Insurance

Term life insurance provides policyholders with the greatest amount of coverage for the lowest amount of money, but for a set period of time. Term life insurance is typically provided for 10-30 years depending on your age. Unlike whole life insurance and universal life insurance, term life insurance only applies should something happen within a defined amount of time. If your passing occurs outside of the defined period, your term life insurance policy will not have any value.

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Universal Life Insurance

Universal life insurance is a form of permanent life insurance with flexible premiums and a flexible death benefit. This increased flexibility makes it ideal for individuals that might need to adjust their premiums depending on their life stage. Your universal life insurance policy can accumulate cash value which, depending on the carrier, may be invested in stocks, bonds, or mutual funds to accrue additional value.

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Whole Life Insurance

Whole life insurance has fixed premiums that will not change for the remainder of your life and provides lifetime coverage. It offers a guaranteed death benefit in the event of your passing, and the cash value account will grow at a guaranteed rate. Depending on your choice of carrier, you may receive an annual dividend from your whole life insurance policy.

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Disability Insurance

Disability insurance is another one of our key offerings at Malden Solutions. Too many people wait until it is too late to enroll in disability insurance and miss out on optimal rates and affordable premiums. By enrolling in short-term and long-term disability insurance policies early in your career, you will ensure protection for you and your family if a catastrophe occurs. When you partner with Malden Solutions for your disability insurance, you will have access to the best possible rates and premier insurance carriers. Our enrollment experts will walk you through the entire process so that you can make the perfect choice for your current stage in life and adjust it as needed in the future.

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Short-Term Disability Insurance

Short-term disability insurance is designed to cover the first few weeks or months of unemployment as a result of a disability. Common short-term disabilities include the recovery period for injuries like broken arms, minor surgery, or maternity leave. You must enroll in short-term disability policies through your employer. If you’re an employer looking to provide short-term disability insurance as a group product or voluntary offering, visit our employee benefits or voluntary benefits pages.

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Long-Term Disability Insurance

Long-term disability insurance begins payments to you once your short-term disability insurance and employer benefits end. There is never any overlap between short-term and long-term benefits. Long-term disability insurance is necessary for covering major surgeries and treatment for critical illnesses. Long-term disability benefits can cover a period ranging from a few years to the rest of your life. Since one in four workers will face a long-term disability at some point during their career, long-term disability insurance is vital to protecting the financial future of your family. Long-term disabilities include the recovery and treatment period for back pain or joint issues, illnesses like cancer or heart disease, and mental illnesses.

Supplemental Benefits

Malden Solutions is proud to offer a comprehensive range of supplemental benefits to our individual customers. These policies and plans can equip you and your family with an unparalleled peace of mind and sense of financial security.