| Disability Insurance Products |
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Individual Disability Insurance
Individual Disability Insurance: Non-cancelable and guaranteed
Renewable disability insurance products to protect the income of
your clients.
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Guarantee Issue Plans Disability insurance without
medical underwriting for groups of 10 or more. |
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Retirement Protection
Disability insurance to protect contribution to retirement plans.
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Physicians Excess Limits
Disability coverage above ten thousand dollars a month.
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Business Overhead Expense Plans
Disability insurance to cover the expenses of a small business.
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Individual/Group Combo
Added disability insurance protection for individuals with group
LTD.
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Buy/Sell Plans
Insurance polices to fund buy-sell agreements in the event of a
disability.
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Key Person
Disability insurance to protect owners from the loss of a key employee.
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Impaired Risk
Disability insurance for individuals with medical issues or other
special risk situations. |
High Excess Limits
Additional disability insurance for individuals who have reached
the cap of domestic carriers. |
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Athletes
Disability insurance for professional athletes. |
Bank Loans
Disability insurance policies that indemnify a bank loan.
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Multi Life/List Bill/Simplified Issue
Individual disability plans that typically come with unisex rates
and a discount.
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Divorce Settlements
Disability insurance policies that are required in divorce settlements. |
| Long-Term
Care Products |
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Individual LTC
Long-term care insurance to protect the assets and to ensure freedom
of choice for individuals age 18-80, facilities only and comprehensive
plans, and both reimbursement and indemnity plans.
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Business and Corporate LTC Plans Both Tax qualified
and Non-qualified products make this the fastest growing segment
in the LTC market. Discounts and underwriting concessions may also
be available. |
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Couples LTC
Long-term care insurance for couples with spousal/partner discounts.
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Ten Pay LTC Policies
Long-term care policies that are paid up for life in 10 years
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Pay to Age 65 LTC Policies
Long-term care policies that are paid up for life at age 65.
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Single Pay Policies
Long-term care policies that are paid up with one payment.
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Association/Multi-Life LTC Discounts
These discounts allow groups to buy individual long-term care policies
at a discount.
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