Your income is one of your most valuable assets. It allows you to maintain your standard of living, pay bills, save for the future and enjoy life’s simple pleasures. In short, your income provides the foundation for life as you know it.
Have you considered what would happen if you were unable to work and provide for your family?
What is disability insurance?
Your everyday life and future could quickly be affected should you experience an income-interrupting illness or injury and become unable to work. Many assume there is already a fallback plan to protect their income, but often discover too late that may not be the case.
Disability income insurance (DI) can help by providing a monthly benefit you can use to pay your basic expenses such as your mortgage, utilities and groceries, in the event of a covered disability.
Do I need disability insurance?
The short answer is Yes! Disability income helps you maintain your lifestyle or pay bills in the event of disability. Creates peace of mind for spouses and family members in the event of an unforeseen disability.
Do I need to protect my business?
A business expense (BE) policy reimburses disabled business owners for business expenses when they are unable to work full or part-time. Business expenses include rent, computer expenses, and salaries of non-income producing employees. It helps keep your business viable if you suffer a total disability.
Our agents will work with you to personalize your plan with several optional riders to make sure you are fully protected.
Our Product Offerings Include (but not limited to):
Long-term Disability Income
replaces a portion of your income in the event you become disabled, sick, or hurt. If you cannot work full-time or part-time for an extended period, this product has you covered! Benefits are normally tax-free.
Short-term Disability Income
begins shortly after a disability is determined and pays a weekly benefit for either 13 or 26 weeks.
Key Person Disability
protects owners from the loss of a key employee.
Buy/Sell Disability
funds a buy-sell agreement that buys out a totally disabled business owner.
Business Overhead Expenses
reimburses disabled business owners for business expenses when they are unable to work full or part-time. Business expenses include rent, computer expenses, and salaries of non-income producing employees.
LifeStyle ValueGuard
protection plan designed to provide additional cash to maintain your lifestyle, business and health in case of disability.
Phone: 304.346.1198
Fax: 304.345.3535
Coverage
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