Personal DI

Provides a monthly benefit to the insured.

Overhead Expense

Reimburses a business owner for out of pocket business expenses.

Provides a monthly benefit or lump sum that is used to purchase the business interest of a disabled owner.

Pays a lump sum or monthly benefit to a business for the loss of a Key employee.

Provides a monthly payment to a lender to complete a business loan obligation.

Looking for a quick quote? Click the link below for an Executive DI quote.
Executive DI Quote

Executive DI provides key executives with additional individual disability benefits on top of their employer sponsored group LTD plan.

Five or more key employees who have been at work for a minimum of the past six months.
Group LTD is in force and the highly compensated employees exceed the group LTD cap.
Employers in industries such as technology, banking and engineering, physicians, law firms.
Companies that want to reward key executives with higher benefits.

Executives can replace up to 75% of income. Income can include salary and bonus.

Guaranteed issue amounts can range from $3,000 - $100,000. The amount of guaranteed issue depends on the number of eligible lives and incomes.

The group must have an underlying employer paid group LTD plan.

In most cases, the employer pays for the plan. Voluntary plans are available starting with a minimum of 75 employees earning $75,000 or more.