Individual Disability Insurance
Individual Disability offers personal high limit disability insurance coverage and was designed to replace a portion of your lost income if you are unable to perform substantial and material duties of your occupation due to an injury or sickness.
Guaranteed-Issue DI Insurance
Guaranteed Issue Disability Insurance Is designed to offer a low-cost disability insurance option. Since the policy is not underwritten, premiums are discounted and fees associated with underwriting expenses are reduced.
To Age 70 Insurance
Supplemental coverage to age 65, 67, or 70. Must have a group or individual disability plan. If you are totally disabled for a period longer than 120 months, the policy will pay the remaining monthly benefits as a lump sum without any additional definition restrictions.
Executive 400 Insurance
To insure a highly compensated individual at 65% of income, multiple disability policies are often required to provide sufficient protection. Executive 400 can supplement existing disability coverage or provide the entire 65% benefit if you are unable to obtain underlying insurance.
Physicians & Surgeons Insurance
Highly trained medical professionals are required to perform at the highest level of quality on a daily basis. This plan is tailored to properly insure against the perils of disability and the premature termination of a successful career.
High limit disability insurance designed to meet needs of high-income earners as their income increases. Can be used to supplement existing disability coverage or provides a 65% benefit if unable to obtain underlying disability insurance.
Disability insurance designed especially for entertainers and high profile clientele. Optional coverage available for disfigurement (even if not disabled), residual income (due to accident or illness), and cost of living adjustment (offset losses due to inflation).
Entertainment Industry Insurance
The people behind the scenes in the Entertainment Industry need disability insurance too. Coverage is available even if your income fluctuates between jobs. This plan offers optional coverage for disfigurement, residual income, and cost of living adjustment.
Brokers & Traders Insurance
Coverage for Brokers & Traders, offers specialized solutions for common issues like health, income and high net worth, excess coverage, special situations, avocations and age. Coverage available for primary, supplemental, special risk, domestic or international coverage.
Legal Professions Insurance
Attorneys, Judges and other legal professionals often have incomes that exceed the limits of the traditional insurance markets. This plan provides primary, supplemental, special risk, domestic, or international coverage for many common issues.
Blue & Gray Collar Insurance
Designed specifically to protect blue and gray collar workers; has limits of $100,000 per month or more, and participation limits up to 75% for personal disability and 100% for business uses so you will be able to protect your income.
Graded Benefit Insurance
Graded Benefit Disability Insurance protects personal income at 65%, up to $20,000 per month. Health conditions that are graded are covered at level benefit choices of either 80%, 65% or 50% of the monthly benefit amount. Guaranteed for five years, non-cancellable.
Stock Option Insurance
Stock Option Disability Insurance compensates top executives with a lump sum benefit of up to 5 times the last 3 years annual average stock option awards if executives of publicly traded companies become disabled and their annual stock options are no longer awarded to them.
Pension Completion Insurance
Pension Completion Disability Insurance will pay a lump sum benefit directly to the insured person the equivalent balance of contributions anticipated by the participant in a retirement plan if they were to become disabled.
Loss of Future Earnings Insurance
Unlike traditional disability insurance, loss of future earnings disability plan protects the lifestyle for young professionals that would receive increases in their income, not just their current income. This plan pays a lump sum benefit for permanent total disability.
Chiropractor Disability Insurance provides solutions for several situations that could be disastrous for a chiropractor. This plan allows highly compensated chiropractors to continue living comfortably in case a disability leaves them unable to work.