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For most people, their largest asset is not their home, health, or retirement plan. If they are still working, their largest asset is their ability to earn an income. Insurance is intended to protect a person's valuables, and disability insurance is no exception. Three in 10 workers entering the work force today will become disabled before retiring (Social Security Administration: Fact Sheet, January 31, 2007). It makes sense that a person should want to protect this most valuable asset with disability insurance.
Every day, individuals face risks to their ability to earn an income. While many people have money saved, it is highly unlikely that those funds can adequately replace their earnings. It is common for someone facing a disability to immediately turn to his or her personal savings and quickly deplete those resources. Disability insurance helps protect against this kind of financial risk by providing the insured with benefits at a level that is proportionate to his or her pre-disability earnings. People are willing to insure their cars, their homes, and even their lives; it can be difficult to think about insuring your ability to produce an income, but it's important to realize that this is another valuable asset that is worth protecting.
Specialty High-End Disability Insurance Policies
These are necessary for doctors, business owners, executives, athletes, and entertainers. Many high-level executives obtain this type of insurance as a supplement to their company plans. For example, a VP or CEO of a corporation may have a company disability plan under which he or she is covered for up to $10,000 a month. However, if he or she earns figures in the ranges of $500,000 to $1,000,000+ per year, the company's $10,000 coverage becomes and modest figure. For these types of high-earning individuals, we are able to acquire special policies to cover their income for an extra $15,000 to $25,000 a month if they become partially or totally disabled. For our athlete and entertainer clients, we can put policies into motion that pay lump sums of $500,000 to $20,000,000 for permanent disability.
For those with existing disability policies, feel free to ask us for a complimentary review. We will review your policy to determine whether the words “disability” and “occupation” have been defined in such a way that there won't be any problems or issues, should there be a claim in the future.
Take a look at just a few of the
services that we have to offer:
- Personal & Estate Planning
- Specialty Athlete & Entertainment Coverage
- Executive & Group Benefits
- US Based Life Insurance for Foreigners
- Life Insurance
- Disability Insurance
- Long Term Care Insurance
- Health Insurance
These are just a few of the features we offer. For a more complete understanding of all of our services please contact us today.