DISABILITY - Ormond Annuities & Insurance Solutions

Diseases such as COVID-19 have taught us that we could be unable to work for a long period of time. Have you planned for it?
WE HAVE SOLUTIONS THAT CAN HELP (see below).
For Annuitiesclick here For Life Insurance click here. For LTC click here.
We are licensed in the States of FL, CT and VT. For other states we need to get licensed prior to a consultation. Our main focus is the State of Florida, especially Volusia, Flagler and St. Johns Counties. We are located in Ormond Beach.

I reviewed this material at the Ormond Beach Library during November, 2024. I will keep you updated on the next presentation, most likely in mid January 2025.
WHY DISABILITY INSURANCE? (DI)
Paycheck or Self Employed Insurance. How long can you afford to pay your bills if you have a disability (accident) or sickness that prevents you from working?.
Mortgage. How long can you afford to pay your mortgage?.
Retirement Protection. Would you have to use your retirement savings, if you could not work for six months?.
Protection of Family Unit. Will your Family's lifestyle be impacted, if you were unable to earn money?.
Impact on your Small Business if a key person is unable to work due to a disability (accident) or sickness or if you would be unable to pay your business expenses.
For Life Insurance click here. For Annuities click here. For LTC click here.
INDIVIDUAL AND SMALL BUSINESS DI
INDIVIDUAL W2, 1099 OR SOLE PROPRIETOR: You can protect upto 70% of your income. There are different options for elimination periods to reduce premium costs.
SMALL BUSINESS: There are many options for Small Businesses including Business Overhead costs, Key Employee loss and multiple employees (more than 3).
NOTE: We deal with the best Carriers in this space and can offer competetive premiums and comprehensive options.
WHY US?
We promise to be a trust worthy provider. Integrity and honesty are key values

It will be a rational journey not an emotional journey.
Many successful sales are 'emotional' sales where someone says 'imagine what would happen...' Our sales are rational sales based on facts and information.
We will communicate when needed
We will communicate as needed and regularly regarding items that need follow up, if you have a concern or claim.

YOU WILL HAVE A CHOICE OF MULTIPLE CARRIERS
As an independent Insurance Agent, we provide access to the highest-rated carriers in the industry. We are committed to providing the best service and sales support to our clients
We will offer solutions that meet your needs
This about you! We will find solutions that address your needs or point out a solution that will benefit you or your family. We do not say: fill in the form and we will quote you in minutes, as there may be better options for your needs and we would like to review those with you, prior to you making a decision.
No detail is too small
Some products are complex and we recommend that you make an effort to understand the basics and impactful detail. We will be happy to spend the time to go over this with you, so you understand the pros and cons. Beware of the 'buzzword' sale where someone drops a buzzword and a number claiming their product is better, without making sure you understand what you're paying for in plain English. Many times the 'buzzword' product is not the right fit for you or your needs.
We will be transparent
All solutions have Pros and Cons. We will do our best to point out both Pros and Cons, so you have the information needed to make an informed decision that's right for you.
ABOUT US

Raj Nallathamby
Raj is the owner and President of Ormond Annuity and Insurance Solutions, also known as ORMONDAIS. Raj completed an MBA at New York University (NYU). He worked for many years as a Vice President of financial systems and products at major Banks. He managed multimillion dollar budgets. During this time, he gained a sound knowledge of financial services, regulatory compliance, information security and risk management. He brings these skills and experience to his new business.
Contact Us
We are licensed in the States of FL, CT and VT. For other states we need to get licensed prior to a consultation. Our main focus is the State of Florida. Let us know the best time to call. We do not share or sell your personal information. See here for our Privacy Policy. Insurance Companies are highly regulated and they all have Privacy Policies that include safeguarding your personal information. Our email is below. Phone (386) 347-0180. Our short name is ORMONDAIS. ORMOND A - I - S
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ormondais@outlook.com
(386) 347 0180
@ANNUITYINSLIFE