Disability, Business Overhead, Income Protection

Business Overhead Expense, Learn More

Business Overhead Expense Disability Insurance

Professional Salary Protection Disability Income

Professional Salary Protection Disability Income

Professional Salary Protection Disability Income. Learn more.

Professional Salary Protection Disability Income

Professional Salary Protection Disability Income

Professional Salary Protection Disability Income

PROFESSIONAL SALARY DISABILITY INCOME PROTECTION

PROFESSIONAL DISABILITY INCOME - PROTECTS YOUR LIFESTYLE


 

PERSONAL HIGH LIMIT DISABILITY INSURANCE

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.


Think about it:  If your paycheck is gone, how will you. . .


  • Buy food ?
  • Make your car payment?
  • Pay your House Note, or Rent?   
  • Pay for health insurance?
  • Pay for your state mandated car insurance?      
  • How will you save for your children's education?
  • Maintain an emergency fund?
  • Save for your retirement?
  • Keep from ruining your credit?
  • Keep out of Bankruptcy? 



There is a disability income policy for almost all occupations; even for the self-employed.  


  • In fact the self employed need not only protection for their income, but protection for their business overhead expenses. Overhead expenses including office, or building rent, business loans,  utilities, and key employees paychecks, etc. to keep their business doors open. We Build Internet Insurance Lead Web Pages For our Brokers


Disability Income insurance, or Paycheck Protection Insurance as it is sometimes referred to,

 is one of the first types of insurance that should be purchased. 

  • But sadly, it is all too often overlooked until it is  too late.


 

PHYSICIANS, SURGEONS, REGISTERED NURSES OWN OCCUPATION DISABILITY

Own Occupation Professional Disability Income Protection puts Doctors, Surgeons And Registered Nurses at ease.
TO FIND OUT MORE BOOK AN APPOINTMENT


DENTISTRY DISABILITY

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


PROFESSIONAL ATHLETES DISABILITY INCOME
A Lifetime Of Preparing for the Profession of A Lifetime Should Be Covered.
TO FIND OUT MORE BOOK AN APPOINTMENT

ENTERTAINMENT INDUSTRY DISABILITY

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


SPECIALTY INSURANCE PROTECTION

LOST PILOTS LICENSE

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 



There is a disability income policy for almost all occupations; even for the self-employed!  


  • In fact the self employed need not only protection for their income, but protection for their business overhead expenses. Overhead expenses including office, or building rent, business loans,  utilities, and key employees paychecks, etc. to keep their business doors open. We Build Internet Insurance Lead Web Pages For our Brokers


Disability Income insurance, or Paycheck Protection Insurance as it is sometimes referred to,

 is one of the first types of insurance that should be purchased. 

  • But sadly, it is all too often overlooked until it is  too late.



FIND OUT MORE ABOUT PROFESSIONAL INCOME  PROTECTION,  WITHOUT OBLIGATION. . . DON'T WAIT TOO LATE.

FIND OUT MORE ABOUT PROFESSIONAL INCOME  PROTECTION,  WITHOUT OBLIGATION. . . DON'T WAIT TOO LATE.  

BUSINESS OVERHEAD AND DISABILITY INCOME FOR BUSINESS OWNERS


BUSINESS OWNERS OVERHEAD EXPENSE DISABILITY INSURANCE


Can keep the business doors open even if the business owner is disabled.

Business Overhead Insurance can pay for all of your normal business overhead expenses, including:


  • BUILDING MORTGAGE PAYMENT OR OFFICE RENT
  • EMPLOYEE PAYROLL
  • ELECTRIC BILL
  • WATER BILL
  • ACCOUNTS PAYABLE
  • ETC.


BUSINESS OVERHEAD EXPENSE DISABILITY INSURANCE IS UNIQUELY TAX DEDUCTIBLE.  THE PREMIUMS YOU PAY ARE DEDUCTIBLE AS A BUSINESS EXPENSE.  


TO FIND OUT MORE BOOK AN APPOINTMENT




PERSONAL HIGH LIMIT DISABILITY INSURANCE FOR BUSINESS OWNERS


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



 

GROUP BUSINESS GUARANTEE ISSUE DISABILITY


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 EMPLOYEE DISABILITY IS AN ASSET TO EMPLOYERS


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


BUY/SELL DISABILITY TO INSURE BUY/SELL AGREEMENTS


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