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DI Concepts
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About us
Our Mission
  Helping Individuals and Businesses make smart decisions
about life, disability and long term care insurance needs
Company Profile
  Our organization is based around individual and employer insurance needs.

We are located in the heartland of the United States in Kansas City, Missouri

We understand the real needs of our customers and design plans fit specific requirements.

Over 65 years of professional experience in the insurance business.

Our professionals have top industry certifications including CLTC, LTCP, CSA, LTCIS

Our Team

  Doug Bragg, CSA, CLTC

Doug Bragg,  has been in the insurance industry since 1975 after graduating from Rockhurst University, in Kansas City, Missouri,  where he earned a BA degree in political science.  He spent the early part of his career in the insurance agency career system before moving to the brokerage business.  

In his background he has been a life insurance sales representative for a major insurance insurance organization, a senior sales consultant with the UNUM Life Insurance Companies and was the regional sales manager for Monarch Life Insurance Companies Brokerage office.   The primary focus of the business was developing disability insurance sales through agents in the insurance community.

I believe that education is key to understanding the business that we are in. I have earned two designations in Long Term Care, the CSA (Certified Senior Advisor) and the LTCIS (Long Term Care Insurance Strategist). I am a member of National Ethics Bureau, which certifies that the member has a solid reputation and no questions about their integrity.  

 With the knowledge gained from his experiences he formed Disability Income Concepts, LLC in 1995.  The company is located in the Kansas City metropolitan area and is designed to offer a wide range of products and services. We focus on the all around needs of the individual or employer.  

When working with individuals the focus is on addressing their particular needs. Each person has their own unique set of circumstances and we try to help them meet their concerns. Anywhere from life, health, disability income, to critical illness, retirement options and Long Term Care needs. 

On the employer side we offer a broad range of services such as group health benefits, employer short and long term disability planning, executive carve out plans and voluntary worksite marketing products.



  Alan Reid, CSA, CLTC, LTCP

Alan began his career in the insurance industry in 1975. He holds a B.A. in Business Management from Central Missouri State University. Alan operates his own agency, C.A. Reid & Associates, with several locations in Kansas and Missouri. As an independent agent, he sells all lines of insurance to both individuals and corporate clients.

Alan started speaking publicly about long term care 5 years ago. He observed the changes in the insurance industry as nursing home policies evolved into Long Term Care policies due to changing needs in society. His goal was to clear up misconceptions about long term care. He has personal experience in dealing with senior family members and their special needs. He observed friends and associates going through similar situations. He realized that by doing advance planning. a family could avoid some potential personal and financial hardships.

Alan has made a commitment to become professional leader in addressing the needs and issues concerning senior adults. He completed coursework to become Certified in Long Term Care, a designation which establishes his credibility to advise adults in planning for their future. He also completed a comprehensive course on priority senior issues conducted by the Society of Senior Advisors. In this course, he examined financial, medical, and social concerns that are unique to the needs of senior adults. After completing this course and examination, Alan became a Certified Senior Advisor and a member of the Society. He completed a third designation, Long Term Care Professional, gaining an even broader understanding of the many facets of Long Term Care. As an expert in the field, Alan continues to speak to individuals and groups throughout the United States about the importance of planning for the future and long term care.

Copyright 2006 Disability Income Concepts. All rights reserved