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Disability Income

*Products vary by state

Disability Income (DI)
This policy is an individual disability income insurance policy that pays a monthly benefit for a covered total disability that results from an injury or sickness.

Business Overhead Expenses (BOE)
This policy is designed to reimburse small business owners (sole proprietors, partners, closely held corporations) for normal and customary expenses necessary to maintain their business in the event of their disability.


Long Term Care

*Products vary by state

Long-Term Care (LTC)

Long term care includes care, support, and other services provided to a person who requires help with daily activities or supervision for a long time. It includes the assistance needed with everyday activities of daily living (ADLs) such as bathing, eating, dressing, continence, toileting, or moving from a bed to a chair.

LTC Alternatives
For healthy individuals with excellent family history, the question often is, \”I don\’t think I need long term care insurance, but what if I do?\” Funding Long-Term Care as a universal life insurance policy with optional long-term care benefit rider helps you leverage assets so you get more for your long-term care dollars.

Asset Based LTC

Asset Based long term care leverages lazy assets to create a larger pool of money if it becomes necessary to LTC otherwise they pass on to heirs to avoid the use it or lose it nature of traditional LTC policies. 


*Almost 70% of Americans who reach age 65 are expected to need some form of long term care services at some point. ( Date accessed: 05/21/2012)

*An estimated 5.4 million Americans suffer from Alzheimer’s. (2012 Alzheimer’s Disease Facts and Figures report. Site accessed 05/21/2012)