Insurance Options
Disability Insurance
An Individual Disability Income (DI) insurance policy helps protect your most valuable asset - your ability to work and earn an income - if you become too sick or hurt to work.
Tax-free benefits when premium is paid with after-tax dollars.
Your policy provides a monthly benefit if you become totally disabled.
If you are disabled under the terms of the policy, you begin receiving benefits one month after the elimination period is satisfied. If you remain disabled, benefits are provided through your benefit period, which is the length of time you can receive benefits if you are disabled under the terms of the policy.
No Cost Riders Available:
Benefit Update
Capital Sum Benefit
Future Benefit Increase
Presumptive Disability
Supplemental Health Benefit
Cost Riders Available:
Catastrophic Disability Benefit
Cost of Living Adjustment (COLA)
Extended Total Disabilty Benefit
Regular Occupation
Residual Disability and Recover Benefit
Short-Term Residual Disability Benefit
Transistional Occupation
Life Insurance
Individual Life Insurance can help you protect your family in the event of your sudden and unfortuante death. Often people forget to remember that student loans are not forgivable at death, so the cost burden associated with those is often passed on to the family members.
Term Insurance
Has a 10,15,20, or 30 year time span
Usually cheaper than permanent, but only lasts for a specified duration
Conversion options
No cash value accumulation
Policy Expiration at Maturity
Allows younger individuals to stash more money away in investments and goals while still having coverage
Permanent Insurance
Carried throught your lifetime
Offers a cash value component
Can grow with interst rates or investments
Offers the ability to pay out of Policy Cash Value
Flexible Premium and Death Benefit Options
Disability and life insurance has exclusions and limitations. For costs and complete details of the coverage, including riders, please contact us.