DISABILITY INCOME & BUSINESS OVERHEAD INSURANCE

Business Owner Disability and Business Overhead Expense

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.


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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


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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.


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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.


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PHYSICIANS AND SURGEONS OWN OCCUPATION DISABILITY


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


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PROFESSIONAL ATHLETES DISABILITY INCOME


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


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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.


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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.


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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.


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