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Life & Disability Insurance

Life is short. While we want you to play hard, we also want you to think hard about the legacy you’ll leave behind—especially if you’re injured on the job or if you pass unexpectedly. Life and disability insurance are simple, economical ways to plan ahead while enjoying the now. Live big and go Smallwood and Small.

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Live for today. Plan for tomorrow.

Anticipating the end of your career or your life story isn’t fun, but it’s an inevitable part of the human experience. Life and disability insurance fortify the futures of your loved ones and allow their stories to continue long after you turn the page.


Term Life Insurance

Term life insurance is small financial investment that solves some of life’s biggest problems. Our policies offer you and your family financial protection for a set time period, typically ranging from 10-30 years. Since life expenses typically outpace earnings, term life is a vital source of financial support for your family in case of your untimely death. A term policy can secure your family’s future by:

  • Paying your mortgage or unpaid bills after your death
  • Covering college tuition for your children
  • Helping your family maintain its standard of living after your death

Term life is an economical way to cover your family’s essential needs, since the premiums remain fixed for the length of the premium period you choose. Our top national carriers offer maximum coverage for a minimal cost. Get a quote today.


Permanent Life Insurance

Permanent life insurance offers lifelong coverage that secures your family—and your legacy. While protecting your family from financial losses in the event of your death, it also lets you leave a legacy to loved ones or to your charity of choice. Our preferred partner network offers you unparalleled access to the most comprehensive and flexible coverages available today. Depending on your age and income, a standalone permanent policy or a hybrid term/permanent policy may be appropriate for your needs. No matter what, we’ll build a sturdy foundation for your future. Policies include:

Whole Life

Designed with total financial protection in mind, whole life insurance offers:

  • Lifelong coverage for loved ones, in the event of financial loss
  • A cash value
  • A guaranteed death benefit
  • Level premiums
  • Access to its cash value through policy loans and withdrawals

Universal Life

Universal life combines the best attributes of term insurance with the security of permanent life insurance. Designed with flexibility and affordability in mind, Smallwood and Small can design a plan to stop premium payments  either at retirement or according to your specific timeline. If you seek added market growth potential, universal life features:

  • Lifelong coverage for loved ones, in the event of financial loss
  • A cash value
  • A guaranteed death benefit
  • Flexible premiums suited to your changing needs
  • Access to its cash value through policy loans and withdrawals
  • Options to increase/decrease your coverage after your policy is in effect

Short Term Disability Insurance

If you’re unable to work for a short time due to childbirth, illness or an accident, short term disability preserves your standard of living during this transitional time in your life. Policies, which offer six months to a year of disability coverage, feature:

  • Regular payment benefits, paying you a portion of your salary on a weekly or monthly basis
  • Rehabilitation benefits to cover rehab, workplace modifications and dependent care

Our insurance experts deliver long-lasting results for your short term needs. Get a quote today.


Long Term Disability Insurance

If  you become ill or are unable to work for an extended period of time, long term disability insurance alleviates your financial worries and allows you to focus on your recovery. Designed to replace a portion of your income during an extended leave from your job, long term disability policies feature:

  • Monthly benefit payments entitling you to a portion of your salary
  • Rehabilitation benefits to cover workplace modifications, rehab and dependent care expenses

We customize your policy based on your expenses and circumstances. Contact us to learn more.

Disability by the Digits

  • Over 37 million Americans are classified as disabled.
  • More than 50% are ages 18-64.*

*U.S. Census Bureau

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We’re Networked for Net Savings

Our neighborhood agency is nationally networked for your safety, stability and savings. Our strategic partnership with the Mountain State Agency Alliance yields customers unparalleled access to top-rated carriers, including:

AAA
Allstate
Allied
Celina
Encompass
Erie Insurance
FirstComp
Foremost
Grange
Guard
Hagerty
Harleysville
The Hartford
Liberty Mutual
MetLife
National General
Safeco
State Auto
Travelers

We’re Solution Savvy.

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Integrated

A total insurance solution, we create integrated solutions for your present and future needs.

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Invested

Our agents are your neighbors, so they’re invested in your success.

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Innovative

Our financial products are cutting edge, not cut-rate.

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