The ability to earn an income is an employee’s most important financial asset. But sometimes this is overlooked – which can result in loss of income, independence and financial security.

What is a Group Disability Insurance Policy? It is an insurance policy that provides coverage for a member of the group who is unable to work due to a disability. Coverage replaces lost income and wages for a limited period of time with a maximum income benefit of approximately 60% of earnings before disability.

Our disability income insurance policies can assist by replacing a portion of an employee’s income if they become hurt and can’t work. Plus it helps give them peace of mind so they can recover faster and get back to work sooner.

We offer an array of flexible plan designs, so if you are an employer or a group looking to offer group disability insurance to your employees or members please contact us regarding a quote and we will put a package together for you at no charge or obligation.
There are many other business-related types of Disability Policies. Some our listed below for your reference.

Should you be interested in utilizing any of these types of business disability policies please contact us to run a no obligation quote for you.

Business Overhead Expense (BOE) insurance reimburses a business owner for business expenses incurred during a disability. The policy is ideal for owners of small and medium-size businesses whose personal service is key to the continued earning of business income.

Business loan protection is also available which can provide protection to help pay monthly loan payments. It covers loans taken out for business-related expenses, such as purchase or expansion of a practice or business; including, purchase of a large piece of equipment or facility renovations.

Disability Buy-Out Insurance provides benefit payment(s) to help with the purchase of a totally disabled business owner’s interest under a buy-sell agreement.

Key Person Replacement Insurance provides benefits to a business in the event a key employee who is critical to the success of the business becomes totally disabled.