Above & Beyond

Individual disability income insurance can replace your earned income when illness or injury impairs your ability to earn an income.

Retirement Protection: In addition, you can protect your pension and retirement plan contributions. Even a short-term disability could have a significant impact on your retirement plan assets. For example, retirement assets are reduced $273,000 at age 65 when a 40-year old that suffered a five year period of disability, returns to work and resumes contributions (presuming a $10,000 annual contribution to age 65 invested at 8%).

Installment Loan Protection: Business-related loans can be protected also. Fixed periodic payments due during a period of disability can be paid by a disability insurance policy specifically designed to insure loans lasting five years or more.

Business Overhead Expense: Keep the lights on, the doors open, and your staff in their chairs until you recover and return to work; business owners can be reimbursed for recurring operational business expenses during a period of disability.

Get more information; request a proposal now.