A quick spotlight about our agency. Located in Charlotte, North Carolina, and serving both NC and SC, The Bloch Agency has been in business for 28 years. They specialize in all facets of income protection, including Individual, Group, and proprietary products. As a founding member of The Plus Group, they have a legacy of excellence. A fun fact about The Bloch Agency: three generations of the Bloch family enjoy playing golf together each weekend.

I’d like to share a story that underscores the importance of Disability Insurance and Key Man Insurance, both for individuals and businesses.

Ben Baldanza, former Spirit Airlines CEO, has battled ALS for years. Despite his tenacity and fighting spirit, the progression of the disease has made it impossible for him to continue his professional duties, leading to his retirement. This transition wasn’t just a personal challenge but a significant event for all who relied on his leadership and vision.

The financial strain of such unforeseen life changes could be devastating if not adequately prepared for. This is where disability insurance plays a crucial role. It ensures a steady income stream when an illness or injury prevents someone from working, offering a safety net that can alleviate financial stress during challenging times.

Moreover, Key Man Insurance is equally vital for businesses. Losing a key individual like Ben can seriously disrupt operations and threaten the company’s financial stability. Key Man Insurance helps businesses navigate through the tumultuous period following the loss by covering the costs related to finding a replacement and mitigating potential revenue losses.

Understanding and implementing these insurance policies can make a significant difference in safeguarding both personal and professional futures against the unpredictable tides of life. If you have any questions about how these policies can benefit you or your business, please do not hesitate to reach out.

Short-Term Disability Insurance typically covers you for a few months, providing crucial support during temporary setbacks. Long-Term Disability Insurance can cover you for several years or even until retirement age, offering peace of mind for more prolonged challenges. Knowing the difference can help you choose the right protection for your needs.

🔍 Problem: Employer-sponsored disability insurance plans often provide limited coverage, leaving gaps in your financial safety net.

Solution: The Plus Group can help you fill those gaps with individual disability insurance policies designed to meet your specific needs. Ensure you have the coverage you need for peace of mind.

Have you ever had a kick me moment in life when it comes to insurance? Ever thought, I wish I had bought this or I wish I had more coverage. That is exactly what happened to me a few weeks ago on Father’s Day. Played 18 holes with my brother and son. Then decided to mow the back yard before getting comfortable on the sofa and watching the US Open. I got stung by a wasp and still mowed the yard. Halfway thru mowing the yard, I started to not feel well and tried to cool off with the hose, that did not work. I rang the front door for son to let me in (he is 14 and was only one home). I do not remember anything after that, he said he let me in and I walked in and fell flat on my face. Broke my nose, ended up with 6 stiches and thank God, no damage to my teeth or head. He called 911 and got taken to the ER.

So, one of the companies we represent, Assurity Life, has an Accident Insurance policy. I have talked about it before, but it is the ONE insurance I do not have on our family. I had been putting it off. Always thinking, I am good, nothing will happen to me.

Based on what happened to me, here is what I would have received if I had this policy. Premium for my family would be $53.41 a month. This would have definitely helped with my deductible. Here is what would I have received in benefits. I still have to have nose surgery to fix my nose.

Initial accident Treatment $200
Ambulance $400
Short-Stay Observation Unit $100
X-Ray $60
Diagnostic Exam $200
Follow-Up Treatment $100
Laceration $200
Broken Nose $450
Hospital Observation $1,000
Outpatient Surgery $500
Total
$3,210

At The Bloch Agency, we understand the intricacies of disability insurance for healthcare professionals. With our extensive network of agencies, experience personalized service and reliable coverage that meets the demanding lives of doctors and residents.

Customized Plans: Discover the benefits of customized disability insurance plans tailored to meet your unique needs. Personalizing your coverage ensures you get the protection that’s right for you.

Ready to secure your future with a plan made just for you? Contact The Plus Group today!

Is your business ready for the loss of a key employee due to disability? KPR insurance safeguards small to medium-sized businesses, covering recruitment costs and temporary staffing with a lump-sum benefit (plus optional monthly benefits). Keep your business resilient and confident.

Approximately 70% of working Americans would find it difficult to meet their financial obligations if their paycheck were delayed for a month. Disability insurance acts as a financial safety net. Don’t let life’s uncertainties derail your income. Explore disability insurance today and stay protected.

As an entrepreneur or small business owner, your livelihood depends on your ability to work. Did you know that 1 in 4 workers will experience a long-term disability before retirement? Individual disability insurance ensures you have a financial safety net in place if you’re unable to work due to illness or injury.