Disability Insurance: It’s as important to the living (and their families) as life insurance is to the beneficiaries; it’s not just for the societal elite.
- For the white collar/executive market, we have companies that are extremely competitive and offer a true own-occupation with a residual/return to work benefit. Though not inexpensive, there is a great value to these well-defined and constructed policies.
- Contractors, roofers, trades people, police and fire department personnel, and truck drivers, to name a few, fit this blue-gray collar category. Whether they own their own businesses or are employees, they all need disability coverage! We work with multiple carriers and will share numerous approaches to help these clients.
- Don’t forget about the availability of executive carve-out and salary continuation plans! Many highly compensated executives are actually discriminated against in their company’s group plan. (Stay tuned, we will share more on the solutions to this concept in a later issue.)
At Insurance Specialties Inc., we are here to help you design and implement the most comprehensive and competitive plan based on the carrier strength, occupation, health, and goal of your client.
It is our advanced knowledge and understanding that drives us forward. Let us share our expertise with you!