DISABILITY INCOME & LIFE INSURANCE HTTPS://DI.LIFE

Business Overhead insurance High limit Employer Disability

Business Overhead Expense, Learn More

Key Employee Paycheck Protection Disability Income

Key Employee  and Worker's Paycheck Protection, learn more

Professional Salary Protection Disability Income

Professional Salary Protection Disability Income. Learn more.

DISABILITY INSURANCE IS PAYCHECK PROTECTION

PAYCHECK PROTECTION - PROTECTS YOUR FAMILY'S LIFESTYLE


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.



FIND OUT MORE ABOUT DISABILITY PAYCHECK  PROTECTION,  WITHOUT OBLIGATION. . . DON'T WAIT TOO LATE.
FIND OUT MORE ABOUT DISABILITY PAYCHECK PROTECTION, WITHOUT OBLIGATION. . . DON'T WAIT TOO LATE.

BUSINESS OVERHEAD AND OTHER SPECIALTY DISABILITY INSURANCE


BUSINESS OVERHEAD INSURANCE


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




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.


TO FIND OUT MORE BOOK AN APPOINTMENT




GROUP GUARANTEE ISSUE SUPPLEMENTAL 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




PHYSICIANS AND SURGEONS OWN OCCUPATION DISABILITY


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


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




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




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




KIDNAP AND RANSOM INSURANCE


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

Diabetic Life Insurance For Insulin Dependent Diabetics

Many Diabetics Think They Can't Get Life insurance.

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

Many diabetics think they can't get life insurance. Click on pic, or scroll down to get a Free Quote
Many diabetics think they can't get life insurance. Click on pic, or scroll down to get a Free Quote

LIFE INSURANCE FOR INSULIN CONTROLLED DIABETES

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WHOLE LIFE INSURANCE FOR DIABETICS

Now available with NO MEDICAL EXAM.  Whole life insurance policies Issued in insurance face amounts as low as $2,000 and in insurance face amounts up to as much as $50,000.   Issued standard to diabetics without additional health issues, age 20-80. Whole Life or Term Life Insurance for Diabetics, Seniors, and Mortgage Payoff Do not Have A Heart Attack Or Stroke. No Your risk, Insure Your Risk 

TERM LIFE INSURANCE FOR DIABETICS

Level term life insurance is also available without a medical exam for ages 20-60. Whole Life or Term Life Insurance for Diabetics. Insurance for Seniors, Mortgage Payoff, Diabetes, Heart Disease, Disability and Dental

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MORTGAGE HOME LOAN LIFE INSURANCE

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 people with controlled Diabetes, Senior Life insurance, and mortgage insurance for an insured mortgage payoff. Insurance for Seniors, Mortgage Payoff, Diabetes, Heart Disease, Disability and Dental

Leave a Deed, Not A Debt.

Protect your family home with Mortgage home loan insurance, also known as Mortgage insurance, or Mortgage Protection Insurance.

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LEAVE A DEED. . . NOT A DEBT !

Mortgage Insurance No Medical Exam Up To 400K. Higher Amounts up to $10,000,000 require an Exam.

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. 


When used for this type of family insurance protection, Mortgage protection insurance and Mortgage insurance are the most commonly used  terms when referring to life insurance. 


However, Mortgage Insurance is also the term used by Mortgage companies when referring to Private Mortgage Insurance.  PMI is required by a mortgage company when the loan to value of your home exceeds 80%. 


The premium is added to your mortgage payment until the remaining balance of the mortgage  is less than 80% of the home value. 


Beware, and don't confuse this type of insurance with the type of life insurance to protect your family. 


PMI only protects your mortgage company by insuring they don't lose money if they have to foreclose. Insurance for Seniors, Mortgage Payoff, Diabetes, Heart Disease, Disability and Dental


Learn More without obligation.

LIFE INSURANCE FOR SENIORS

Now available with NO MEDICAL EXAM.  Whole life insurance policies Issued in insurance face amounts as low as $2,000 and in insurance face amounts up to as much as $50,000. Whole Life Issued standard to diabetics without additional health issues, age 20-80. A Guaranteed Issue whole Life is also available to age 80. Contact us for details. Insurance for Seniors, Mortgage Payoff, Diabetes, Heart Disease, Disability and Dental

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NO PHYSICAL AGES 20-80 SENIOR FINAL EXPENSE WHOLE LIFE

Ideal for Seniors who just need a little whole life insurance to cover final expenses such as funeral services, burial or cremation. No medical exam is required, and the policy proceeds can be paid directly to your beneficiary or assigned to a funeral home. The minimum average cost of funeral services is rising each year and is now between $7,500 - $10,000. Many areas are even higher. $14,000 - $15,000 is not an uncommon amount to spend on final expenses. Whole Life Insurance Policies with face amounts from $2,000 up to $50,000 are available without a medical exam, and can be applied for discreetly over a cell phone,  with a computer, or with a visit to your home or office by a life insurance agent specializing in final expense life insurance. Do not Have A Heart Attack Or Stroke. No Your risk, Insure Your Risk 

Discount Dental Plans make dental visits affordable

DENTAL DISCOUNT PLANS ARE DENTAL SAVINGS PLANS

DENTAL DISCOUNT PLANS MAKE DENTAL VISITS AFFORDABLE


 

Dental Savings Plan

With a dental savings plan you pay an annual fee and get access to significantly reduced rates. And dental savings plans offer many benefits over traditional dental insurance. Things like no annual caps or limits and absolutely no paperwork.

Our plans cover more than 100,000 dentists nationwide. These quality providers have agreed to charge reduced fees on the dental services you need. So you'll get the quality care you deserve at a bigger savings than you ever imagined possible.

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