Disability Insurance and Long-Term Care Insurance

DI and LTC Solutions – No Matter Who Your Client Is.

We provide quality disability insurance and long-term care insurance products for people of all walks of life, from blue collar to professionals. Find out what we can do for you and your clients.

Disability Insurance Products

Individual Disability Insurance

Individual Disability Insurance: Non-cancelable and guaranteed Renewable disability insurance products to protect the income of your clients.

  Guarantee Issue Plans

Disability insurance without medical underwriting for groups of 10 or more.

Retirement Protection

Disability insurance to protect contribution to retirement plans.

Physicians Excess Limits

Disability coverage above ten thousand dollars a month.

Business Overhead Expense Plans

Disability insurance to cover the expenses of a small business.

Individual/Group Combo

Added disability insurance protection for individuals with group LTD.

Buy/Sell Plans

Insurance polices to fund buy-sell agreements in the event of a disability.

Key Person

Disability insurance to protect owners from the loss of a key employee.

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.

Athletes

Disability insurance for professional athletes.

Bank Loans

Disability insurance policies that indemnify a bank loan.

Multi Life/List Bill/Simplified Issue

Individual disability plans that typically come with unisex rates and a discount.

Divorce Settlements

Disability insurance policies that are required in divorce settlements.

 

Long-Term Care Products

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.

  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.

Couples LTC

Long-term care insurance for couples with spousal/partner discounts.

Ten Pay LTC Policies

Long-term care policies that are paid up for life in 10 years

Pay to Age 65 LTC Policies

Long-term care policies that are paid up for life at age 65.

Single Pay Policies

Long-term care policies that are paid up with one payment.

Association/Multi-Life LTC Discounts

These discounts allow groups to buy individual long-term care policies at a discount.




Disability Protection for Life
Disability & Long Term Care Products and Services

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