Products

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Individual Disability Income Protection Insurance replaces a portion of your income in the event you become disabled, sick, or hurt. If you cannot work full-time or part-time for an extended period this product has you covered!  Benefits are normally tax-free.

Short Term Income Protection begins shortly after a disability is determined and pays a weekly benefit for either 13 or 26 weeks.

Our Business Loan Products have you covered!  This type of disability insurance policy allows a business owner to use the funds to pay current and future bank loans

Retirement Security Insurance replaces lost savings for retirement.  These benefits are paid in addition to other disability benefits.

Key Person Disability insurance protects owners from the loss of a key employee.

Buy/Sell Disability Insurance funds a buy-sell agreement that buys out a totally disabled business owner.

Business Overhead Expense reimburses disabled business owners for business expenses when they are unable to work full or part-time.  Business expenses include rent, computer expenses, and salaries of non-income producing employees.

Guarantee Standard Issue ensures income protection for a specified number of employees, which is issued on a guaranteed issue basis with discounted uni-sex premiums.