Protect your family members from potential financial hardships.
We work with individuals across the nation to secure the best disability insurance rates.
Compare variety of disability insurance plans from the nation’s top rated carriers.
A disability can happen to anyone, at any time.
Losing your monthly income can have devastating results. This is especially true for High Income Individuals or those that are Self Employed.
Disability insurance , sometimes known as Income protection insurance, will guard against the depletion of your savings or the selling off of assets to meet your monthly expenses during your rehabilitation period. Most financial advisers agree that 65% of someones current monthly income, is needed, to continue in their current lifestyle.
Yes, however, for those with higher incomes of $150,000 or more, there are some shortfalls that need to be considered:
For this reason, we offer Supplemental / excess Disability Insurance for High Income individuals.
Most traditional carriers will decline the self-employed for a number of reasons. Examples can be: Working from home, Part time hours, Fluctuating income/ Capital Gains income, High-risk work, High-risk hobbies or the big one, health. I encourage you to first get as much permanent disability insurance as possible and then we can supplement that plan to meet any coverage gap.
I can, of course, assist you in getting standard DI plans through a traditional carrier.
Personal and business plans along with specialty plans such as:
Personal Self Employed / Unusual Occupation
Loss of Future Income
Business Group Plans for High Income employees
Buy – Sell
This list goes on.
Other plans that I offer are, Term Life Insurance and No Medical Exam Life insurance plans. Either of these plans can be used for Personal , Buy-Sell agreements, Key Person to name just a few.
High Limit Disability insurance plans can be customized to meet your needs. I fully understand and realize that no two situations or needs are the same.
Please contact me today for a confidential discussion of your needs. My Toll Free number is 888-636-2310.