BEWARE OF THE DREAM KILLERS

BUSINESS OVERHEAD INSURANCE REIMBURSES BUSINESS OVERHEAD EXPENSES

Maintaining a cash flow to allow a firm to stay financially afloat while the business owner recovers from a disability is the basis for this type of insurance.

• Premiums for business overhead expense insurance are tax deductible
• Benefits come to the firm on a reimbursement of deductible business expenses, thus they remain tax free.

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Most families would be completely unprepared to survive financially when disability strikes the primary household income earner.  

Joint household income earners are often necessary to maintain today's accustomed standard of living. Therefore, the untimely disability of any household wage earner could prove devastating.

Every employed person, no matter age, occupation, or heath history, should carry an adequate amount of disability income to maintain that person's customary net income flow after taxes. 

Our goal is to either participate with existing disability policies or provide base coverage in traditionally uninsurable situations. To provide our clients and our producers clients with a minimum disability insurance benefit of at least 65% of income, regardless of the clients income level.

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Supplemental high limit coverage is a relatively new benefit that can be offered. 

Coverage can be offered selectively to groups or departments within a company. This offers many possible variations, allowing employers flexibility not readily available in the group disability market.

• Guarantee issue
• Starting at 3 lives
• $100,000+ Monthly Benefit
• $10,000 Lump Sum
• Voluntary & Mandatory options

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Key employees are an asset to your business.  Key employee Disability Income can insure your business can afford to continue the salary of your disabled key employee in addition to the expense of and hiring and training their temporary replacement without putting a burden on your business.

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What if When the time comes to sell or buy your business share, you or your partner are disabled?  Disability Income insurance can make it happen.

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Own Occupation Professional Disability Income Protection puts Doctors and Surgeons at ease

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A Lifetime Of Preparing for the Profession of A Lifetime Should Be Covered.

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When starting a dental practice there are many obstacles that need to be overcome.  Loss of income From a Disability should not be one of them.

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This industry is too much of a risk for traditional disability income insurance companies.   Let us find your entertainment industry disability protection.

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PILOTS LOSS OF LICENSE INSURANCE 

 Provides exceptional benefits at an affordable rate.

• Monthly Benefits until Medical certificate is reinstated.
• Benefits may pay up to 60 months.
• Benefit amounts from $500 up to $25,000 per month.
• Lump Sum for permanent loss of license.
• Simplified underwriting.
• No Exam or proof of income.

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EVERY CLIENT TRAVELING SHOULD OWN THIS. 

Imagine the overwhelming feeling of freedom and sheer joy that would be felt upon release of a kidnap victim.  now imagine the terror upon realization that you are without insurance.  your company or your family had to pay the large ransom, purchase specialized phone equipment, hire security protection, hire a negotiator, and pay many more expenses, all of which were only made possible by liquidating all assets.  In addition to this overwhelming amount of debt, in order to rejoin society the kidnap victim may need extensive psychiatric counseling and rehabilitation.

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Level Term life insurance for the term of the mortgage is the most commonly used form of life insurance protection to ensure an insured mortgage payoff in the event of death of the primary family income earners.  .

 Life insurance, whether Whole Life, Term Life, or Universal life Insurance, protects your family by providing the necessary dollars to pay off your mortgage when you are no longer able to be here to provide for your family. 

We specialize in No medical exam Life insurance Plans for Mortgage Payoff, Senior final expenses, Disability Income and Term Life Insurance with living Benefits.  *