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Disability Insurance
Looking for
Group Disability Insurance?
With
disability insurance you'll have coverage to protect you in the
event that you become disabled through accident or illness. A
disability insurance policy will provide replacement income until
you are able to return to work. Many find disability insurance
a valuable safety net to protect their families.
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Disability Calculator -
This calculator helps you determine
how much disability insurance you
may need to cover expenses during
such a disability.
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Disability Key Man
What if an employee essential to the operation of your business became
disabled? You might suffer a financial loss. In fact, the financial
loss that you experience due to this disability could exceed the loss
caused by a large fire at your business. You probably insure your
physical property; what about that key employee? If you have an
employee this valuable, consider insuring your risk with Disability
Key Man Insurance.
Pension Completion
Even if you have ample disability insurance, what if you have a career
ending injury at age 30? When you reach retiring age, you would have
no and/or retirement plan. A pension completion disability policy
would allow you to collect an added benefit. This benefit would be
invested to provide the pension that your disability took from you.
Apply for disability insurance quotes today!
Business
Overhead Expense
Business overhead expense insurance pays a business owner's fixed
expenses in the event he/she is disabled. When a business owner is
disabled many business expenses (rent, payroll, etc.) continue. A
disability overhead expense policy can help pay these expenses. These
policies generally have a shorter waiting period and a one to two year
benefit period. The shorter benefit period is sensible, because one to
two years should allow the disabled owner to determine his/her degree
of disability and if necessary sell the business. Overhead expense
disability is relatively inexpensive and should be considered by any
business owner with high expenses.
Disability Buy Out
If one of your partners/shareholders was disabled and could never work
again, it may become necessary to buy that person out. A Disability
Buy Out contract could provide cash to pay for the purchase of the
disabled partner's interest.
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