Disability Insurance

Life is full of unexpected events. We can help you find the right solutions to protect a client’s income should they no longer be able to work.

Individual Solutions

Long-Term Disability

Protects your clients’ income during illness or injury, enabling recovery without financial worry.

Excess High Limit Disability

A class of insurance that can be accessed and utilized by individuals and businesses whose needs extend beyond the capabilities of U.S. admitted insurance carriers.

Simplified Underwriting

For eligible applicants, typically younger individuals with no significant health concerns applying for lower benefit amounts, Simplified Underwriting offers a streamlined process. This approach may eliminate traditional requirements like medical exams and records if no health issues are detected.

Business Solutions

Key Person Disability

Protects a business from the total disability of a key employee. Helps to minimize the disruption to a business from losing a valued employee.

Business Overhead Expense

Reimbursement for eligible business expenses for which the owner is responsible in case of that owner’s total or partial disablement.

Buy-Sell Disability

Funds a buyout agreement when a business owner becomes permanently disabled and unable to work. Ensures a seamless transition of ownership while protecting the financial stability of the business and its stakeholders.

Business Loan Protection

A policy that helps business owners cover loan payments if they become disabled and can’t work, ensuring financial obligations are met during recovery. This is typically a rider that is added to a Business Overhead Expense policy.

Guaranteed Issue Disability

Typically sought out by employers, this is a type of disability insurance that doesn’t require medical underwriting, offering coverage regardless of health history.

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