Disability

Nobody can predict the future. Whatever may arise, it's important to be protected from the unexpected events that come in life. We believe that protecting your future income is a fundamental building block of a successful financial plan, and we will work with you to implement the right protection strategy. We offer products from a variety of reputable organizations that are scalable, flexible, and designed with you in mind. Licensed in all 50 states, our professionals are well-versed in state-specific statutes, federal regulations, and the impact that premiums can have on your bottom line- and we will work collaboratively to devise comprehensive protection packages that will give you confidence.

We know that one size doesn't fit all, and that the coverage you may need now will change as you grow and mature your business. We will work with you to establish the right amount and type of coverage and build in options such as the ability to increase your coverage in the future without the need to prove insurability. We can also customize your policy with such options as unemployment riders, cost-of-living increases, or whatever you may choose. It's all up to you.

Our products are carefully designed to meet the needs of a specific niche- small business owners, executives, and professionals in the dental and medical industry. Because after all, protecting your income is the most critical decision that you can ever make.

We have outlined some of the more common policies below; please note that these may change based on geography and state and local law.

Individual Disability Income Products

You need the highest quality products in order to meet the requirements of the markets in which you work. That's why we maintain a portfolio of disability products of the highest quality. From individual disability policies to cover you through retirement to cost-effective specific term coverage and employer-sponsored plans, we have the plan that's just right for you. And we're only a phone call away.

Business Disability Income Products

Our business disability plans have been designed by business owners, for business owners. We have coverage to assist in overhead costs, insure financial and contractual obligations, and to assist in partner buy-outs. We also have a variety of terms and premiums to give you what you need.

Underwriting Programs

Students, residents and first-year professionals often lack the earnings history necessary to qualify for disability income, yet we know your potential is limitless. That's why we offer protection without proof of income through our special programs.