Insurance Check-up, Mortgage Life Insurance, Senior Life, Disability, Diabetes

---

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.

BOOK A BUSINESS OVERHEAD INSURANCE APPOINTMENT

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.

TO FIND OUT MORE BOOK AN APPOINTMENT

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

TO FIND OUT MORE BOOK AN APPOINTMENT

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.

TO FIND OUT MORE BOOK AN APPOINTMENT

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.

TO FIND OUT MORE BOOK AN APPOINTMENT

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

TO FIND OUT MORE BOOK AN APPOINTMENT

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

TO FIND OUT MORE BOOK AN APPOINTMENT

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.

TO FIND OUT MORE BOOK AN APPOINTMENT

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

TO FIND OUT MORE BOOK AN APPOINTMENT

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.

TO FIND OUT MORE BOOK AN APPOINTMENT

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.

TO FIND OUT MORE BOOK AN APPOINTMENT

Many insulin dependent diabetics find it difficult to purchase life insurance because, aside from the risk of lapsing into a diabetic coma and death, diabetes may contribute to an increased risk of a heart attack, stroke, blindness, amputation, certain forms of cancer, such as Liver Cancer, Colorectal Cancer, Lung Cancer, Chronic Obstructive Pulmonary disease, Liver disease and kidney disease.  in fact the only causes of death in the top 12 that diabetes did not potentially contribute to in 2016, and 2017 were Accidents, Alzheimer's,  Influenza/Pneumonia, Septicemia and Suicide.  

The good news is, there is at least one life insurance company that specializes in issuing life insurance for Seniors and for insulin dependent diabetics, age 20-80.  Available in Face amounts from $2,000 Up to $50,000 with no medical exam, or bodily fluids required.  Available in whole life insurance for diabetics, or term life insurance for diabetics . Whole Life or Term Life Insurance for Diabetics, Seniors, and Mortgage Payoff Insurance for Seniors, Mortgage Payoff, Diabetes, Heart Disease, Disability and Dental