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Video: Individual Disability Income

Individual Disability Income

What is your most valuable asset? Most people would say their home. Now well it may be true that your biggest expenditure is your home. The truth is your most valuable asset is your ability to work and to earn an income. We insure our home and we insure our vehicles, why would we not insure our most valuable asset?

What would happen if you became too sick or hurt to work?
What would happen to your income?
How would you pay your bills?
What would happen to your long term financial

Video: Business Overhead Expense

Business Overhead Expense

Business owners work very hard to attract and keep clients. Their door seems to always be open and the thought of telling clients to do business with someone probably never crosses their mind. However, it could come to that if a business owner became too sick or hurt to work.

Can the business survive without the owner generating income for a month, six months or even more than a year?
Who would pay the office expenses like rent, salaries, utilities and loan payments?
Would the business lose key employees?
If the owner

Video: Inadequacies of Group Long-Term Disability

Inadequacies of Group Long-Term Disability

Many employers provide valuable group long term disability coverage to their employees and the monthly benefit this coverage provides forms a great foundation upon which to build your disability income insurance program. However, that group coverage on its own may not provide adequate coverage in the event in which you became sick or injured.

By design group long term disability plans typically protect up to 60% of your base salary and usually have a monthly payment cap of 5000 to 10000 dollars. Additionally if your group long

Video: Disability Buy Out

Disability Buy Out

Sharing ownership in a business has its own unique challenges, not the least of which is providing equity funding if one of the owners becomes disabled.

The question is: “If a business partner became too sick or hurt to work and could not return to the business, how critical would it be to the continuation of the business to have a plan in place and the means available to buy out the disabled partner?

For most businesses it would be very difficult to survive the effects of an owner becoming