business di
Business Overhead Expense
Business Loan Indemnification
Business Loan Indemnification
The coverage provides monthly benefits to match overhead expense costs in the wake of the disablement of a business owner so daily business operations may continue.
Business Loan Indemnification
Business Loan Indemnification
Business Loan Indemnification
When corporate owners apply for bank loans to cover business start-up or expansion costs, lenders often require disability insurance be collaterally assigned for loan closure.
Buy/Sell Disability
Business Loan Indemnification
Key Person Disability
Buy/Sell DI is a fundamental safeguard in succession planning in case of the long-term disablement of a business owner and the contracted buy-out of the owners interests.
Key Person Disability
Guaranteed-lssue Business Disability Insurance
Key Person Disability
The coverage provides crucial benefits and cash flow to businesses facing financial hardships as a result of the disablement of a business owner or key employee.
Guaranteed-lssue Business Disability Insurance
Guaranteed-lssue Business Disability Insurance
Guaranteed-lssue Business Disability Insurance
The above business DI plans are also available on a multi-life chassis, featuring guaranteed- issuance and discounted premiums.
top 5 plans
Physicians & Surgeons
Physicians & Surgeons
Physicians & Surgeons
Most doctors are unable to appropriately insure their income through traditional disability carriers alone because of low issue limits and generally modest caps on group coverage.
Executive 400
Physicians & Surgeons
Physicians & Surgeons
This is a versatile plan with many uses for high-net-worth individuals. It is ideal for the executive who may need additional personal disability or business disability insurances.
Dentist High-Limit
Physicians & Surgeons
Legal Professionals
Dentists are skilled professionals who are typically well advised on the importance of income replacement insurance, but are commonly unable to obtain proper high-limit levels of coverage.
Legal Professionals
Guaranteed-lssue High-Limit Disability Insurance
Legal Professionals
With relatively high annual incomes, attorneys are frequently unable to purchase sufficient levels of disability insurance through traditional channels and must turn to our supplemental coverage.
Guaranteed-lssue High-Limit Disability Insurance
Guaranteed-lssue High-Limit Disability Insurance
Guaranteed-lssue High-Limit Disability Insurance
High-limit, excess disability insurance is available on a multi-life, guaranteed-issue basis with huge group discounts. This plan is the new star of the disability insurance world.
hard to place di
Loss of License
Professional Athletes
Loss of License
Typical definitions for professional pilots have become antiquated. Our Loss of License plan is a progressive creation, providing benefits for pilots based on the loss of medical certification.
Starcover
Professional Athletes
Loss of License
Due to common gaps in employment and sporadic income trails, entertainers are uninsurable through traditional DI channels. Our Starcover plan is the perfect solution for entertainers.
Professional Athletes
Professional Athletes
Disability Insurance Solutions
Professional and collegiate athletes can acquire financial protection against loss of value as well as career-ending sickness or injury.
Disability Insurance Solutions
Disability Insurance Solutions
Disability Insurance Solutions
Not every client or occupation fits the “preferred” mold. The DI Solutions plan provides income protection solutions for almost any occupation with an “own occupation" definition.
Chiropractors DI
Disability Insurance Solutions
Chiropractors DI
Due to categorically poor claims history, most insurers won't write chiropractors, but our plan provides specific disability protection for the financial needs of chiropractors.