VIDEO: Focus on the MUG (Mortgage, Utilities and Groceries)

Learn how the MUG plan can protect you and your family.

Group long term disability is a great benefit. But is it enough to protect you from the unexpected risk of being too hurt to work? We take a look at guaranteed standard issue (GSI).

Group LTD is an excellent start to protecting yourself from the unexpected. But is it enough?

The Plus Group^® Introduction

Built on a foundation of a superior personalized service with a local human touch, the Plus Group^® partnership was formed in 1998 as an organization dedicated to providing training, in disability insurance products, to select insurance agents, employee benefit Advisors, CPAs, financial planners, and marketing partners. Since that time, The Plus Group^® has become the preferred disability income product and planning resource for thousands of financial and insurance professionals across the country.

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

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

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

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

Guaranteed Standard Issue

Becoming disabled and not being able to work is one of the greatest financial risks American workers face. Over recent years serious disabilities caused by accidents and illnesses have increased dramatically and this trend is going to continue as life extending technologies grow, are populations age and the general health of the American work declines due to such things such things as obesity, diabetes, hyper tension and heart disease.

According to the council for disability awareness over one hundred million workers did not private disability income insurance. They further