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.

Disability Calculator This calculator helps you determine how much disability insurance you may need to cover expenses during such a disability.

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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