LifeStyle ValueGuard – An innovative Protection Plan designed to provide additional cash to maintain your Lifestyle, Business and Wealth in the case of a disability.  After a disability moment, the 1st and 2nd years are the most difficult financially – this is solved by LifeStyle ValueGuard. LVG provides additional cash in addition to other income protection benefits. The additional cash can be used to pay-off mortgages, Student Loans, and other debts.  Cash would be available to provide college tuition, modifications to home or automobile, and other medical care expenses including potential Long Term Care Costs.  LVG also has significant business applications. The additional cash can be used to provide Business Overhead Expenses, Key Person, Buy-Sell solutions, Retirement funds or a combination of the above.  Incredible flexibility allows the Business to utilize the cash in the most effective manner.  Guarantee Issue solutions are available.