Disability Programs

  • Executive 400 Plan Disability Insurance, Bank Loan Lease Indemnification, Severance Agreement, International Employees, Disability Insurance Solutions, Personal Disability, Business Overhead Expense, Buy Sell Funding, Key Person Disability, Bank Loan Lease  Contract Indemnification, Physicians, surgeons, High Limit Disability Insurance, Disability insurance for medical doctors, Dentist High Limit Disability Insurance, Entertainment Disability Insurance, Pilot High Limit Disability Insurance, Top Hat Program, Group High Limit Disability, 401(k) Completion Plan, Business Overhead Expense Insurance, Buy Sell FundingExecutive 400 Plan Disability Insurance

    For executives, lawyers, CPAs and other white collar occupations
    The Executive 400 Plan is a product that has many uses. It provides for supplemental coverage over and beyond the domestic carriers’ issues and participation limits. Issue limits as high as $200,000 per month or more with participation up to 75% of personal income, 100% of BOE expenses and 100% of Buy Sell obligations.

    Other uses include:
    • Key Person Disability
    • Bank Loan / Lease Indemnification
    • Severance Agreement
    • International Employees
  • Disability Insurance Solutions

    For gray and blue collar occupations
    Gray and blue collar workers with personal or business disability needs will find many solutions to their problems of obtaining adequate disability insurances. A person who earns an excellent living by working with their hands is often times limited by traditional carriers as to the amount of disability insurance they can secure. Your problems are over with the Disability Insurance Solutions Plan.

    Perfect for:
    • Personal Disability
    • Business Overhead Expense
    • Buy Sell Funding
    • Key Person Disability
    • Bank Loan / Lease / Contract Indemnification
  • Physicians and Surgeons High Limit Disability Insurance

    Disability insurance for medical doctors
    Physicians and Surgeons know all to well that the traditional disability market is not able to provide adequate amounts of disability insurance. With Physicians and Surgeons High Limit Disability Insurance you can provide supplemental disability coverage for your doctor clients. Monthly benefit amounts as high as $100,000 per month or more.

    Perfect for:
    • Personal Disability
    • Business Overhead Expense
    • Buy Sell Funding
    • Key Person Disability
    • Bank Loan / Lease / Contract Indemnification
  • Dentist High Limit Disability Insurance

    Disability insurance for dentists
    Dentists know all to well that the traditional disability market is not able to provide adequate amounts of disability insurance. With Dentists High Limit Disability Insurance you can provide supplemental disability coverage for your dentist clients. Monthly benefit amounts as high as $100,000 per month or more.

    Perfect for:
    • Personal Disability
    • Business Overhead Expense
    • Buy Sell Funding
    • Key Person Disability
    • Bank Loan / Lease / Contract Indemnification
  • Entertainment Disability Insurance

    For actors, musicians and other people in the entertainment business
    People in the entertainment industry are typically denied adequate disability protection by domestic insurance companies. Entertainment Disability Insurance was created to provide badly needed coverage for actors, musicians, stunt persons, producers, directors and people in other occupations of the entertainment industry.

    Perfect for:
    • Personal Disability
    • Loss of Services Indemnification
    • Contract or Performance Insurance
  • Pilot High Limit Disability Insurance

    For people who earn a living flying
    Pilots have always had a difficult time being insured for disability insurance. This is due in part to the nature of the job and the medical qualifications required to maintain their license. The Pilots Disability Insurance Plan was designed to assist in providing an adequate disability estate for pilots.

    Available for:
    • Commercial Pilots
    • Corporate Pilots
    • Aerial Applicator Pilots
    • Cargo Pilots
    • Helicopter Pilots
    • Firefighting Pilots
  • Top Hat Program

    An automatic issue plan for supplemental coverage
    The Top Hat Program is an automatic issue plan that allows supplemental disability insurance in conjunction with a recently approved, standard issued, fully underwritten non-cancellable policy. Up to an additional $10,000 per month may be issued provided the total in force coverage does not exceed 65% of personal income. Coverage includes own occupation and options for COLA and Residual Disability.
  • Group High Limit Disability

    A guaranteed issue disability plan
    A plan of supplemental disability insurance which goes way beyond the traditional limits of Group LTD and Individual Disability Wraps. Now you can easily accommodate high limits for group carve outs with available monthly benefits as high as $25,000 per month or more in addition to the underlying coverage.

    Perfect for:
    • Executive Groups
    • Physician Groups
    • Attorney Groups
    • CPA Groups
    • Most groups considered
  • 401(k) Completion Plan

    To protect your retirement planning
    Interruptions to the contributions of your retirement plan would seriously reduce your retirement income. The greatest hazard to the ongoing contributions would be a disabling accident or sickness. Now you can protect against this risk with the 401(k) Completion Plan.
  • Business Overhead Expense Insurance

    Business Insurance to Cover Office Expenses
    When traditional carriers limit the amount of Business Overhead Expense Insurance due to occupation or overall maximum limits, this Plan allows for supplemental coverage to be placed on top of the existing coverage.

    This plan may also be used for primary coverage if the traditional market cannot offer any terms due to reasons such as occupation, type of business, medical history, age or place of work. 100% of eligible business expenses can be covered.
  • Buy/Sell Funding
    Business Insurance to protect a buy sell agreement
    The Buy/Sell Funding Plan, which is one of the disability products in our Business Disability Series, offers answers to many disability financial planning problems. When traditional disability carriers limit their benefits to $1 - $2 million dollars, or reduce their benefits when a participant reaches a certain age, or will not even consider issuing coverage beyond a certain age, or cover occupations deemed more hazardous... our Buy/Sell Funding Plan solves these problems and more.

    With issue limits of $20 Million or more, most risks can be considered.

Whole or ordinary life insurance, universal or adjustable life insurance, variable life insurance, variable-universal life insurance, indexed universal life insurance, iul, iuls, equity indexed annuity, market value adjusted annuity, deferred annuity, immediate annuity, fixed period annuity, lifetime annuity, pure lifetime annuity, qualified annuity, non-qualified annuity, nonqualified annuity, single premium annuity, flexible premium annuity, equity indexed annuities, market value adjusted annuities, deferred annuities, immediate annuities, fixed period annuities, lifetime annuities, pure lifetime annuities, qualified annuities, non-qualified annuities, nonqualified annuities, single premium annuities, flexible premium annuities