Protecting your income from loss of wages due to disability can be one of the most important aspects of your risk management portfolio.  Employer provided coverage is a terrific benefit, but still typically leaves a sizable income gap and can have significant benefit restrictions. 

Business owners use Disability Overhead Expense Insurance to pay overhead should they become disabled while Disability Buy-Out Insurance is used to fund a disability Buy-Sell agreement.

We can help:

• Understand group coverage provided by your employer and determine if supplemental coverage should be considered
• Understand the difference between “Own Occupation” and “Any Occupation” definitions in long term disability contracts
• Determine the right amount of coverage that allows you to maintain your lifestyle and continue to save for the future
• Business owners understand and place group coverage, overhead expense coverage and buy-out insurance
• As we are not captive to any one carrier, we can help quote and place coverage almost any insurance company