Traditional disability insurance carriers often overlook the high income earning field. Financial and government statistics state that someone needs about 65% of their current monthly income in order to survive. This is fine for most but what about the high-income earner , such as a Chiropractor?
Not having adequate protection can lead to financial ruin.
We represent supplemental disability plans for chiropractors, that will allow participation limits of up to 75% for personal liability and up to 100% for business use.
These are supplemental plans that stack onto your existing plan. If you do not have a primary plan in place, we can assist you with finding a primary plan. We can then add the supplemental plan and get you to the 65% income level.
Although supplemental plans are not designed as a primary plan, you may have been turned down for a primary plan because of:
Health Impairments
High Net Worth
Inconsistent income
Hours worked per week
High-Risk Avocation
Family Business
Senior Age
The underwriters at Petersen International, a coverholder for Lloyd’s of London, can custom tailor a plan that can carve out certain avocations, health impairments etc.
Contact us today for a confidential discussion about your needs. Our toll-free number is 888-636-2310