Shed the light on the importance of income protection

Size: px
Start display at page:

Download "Shed the light on the importance of income protection"

Transcription

1 May is Disability Insurance Awareness Month Shed the light on the importance of income protection Greg Mazzei, Disability Income Regional Vice President Tampa, Florida What you ll learn today Who is a likely prospect How do you sell it What if they object Our efforts for Disability Insurance Awareness Month 1

2 Who is a likely prospect? Almost everyone in the working population, but specifically those who: Are ages 30 to 50 (typically available to ages 18 to 60) Earning a minium income of $40,000/year Are interested in protecting their most important asset their ability to work and earn an income Have other risk and/or protection products with you Meet Principal Life s underwriting guidelines for occupation, income, net worth and medical history Why do they need income protection? More than 35% of workers with 401(k) or IRA plans have not thought about or don t know what would happen to their contributions if they were unable to earn an income for a period of time. 1 Most United States workers would face dire financial consequences if they were unable to work for an extended period of time due to a disabling illness or injury. In fact, nine out of ten workers underestimated their own chances of becoming disabled. 1 Just 36% of all full-time employees have access to long-term disability insurance through their employers, and fewer than 6 million individual disability policies are in force in the United States. 2 1 Council for Disability Awareness, 2007 Disability Awareness Survey 2 LIFE Foundation, March

3 Why do they need income protection? Because income is the financial foundation, without an income how would your clients be able to meet their financial obligations? Group Long-Term Disability Insurance Excellent foundation Guaranteed issue Employer provided Inexpensive Is it enough? Generally 60% of salary Benefits are typically taxable (when paid for by the employer) No bonus or pension benefits protected Not portable Generally conservative definitions 3

4 The sales process Have the proposal prepared before the meeting Sell the need Sell the benefits of the product Sell the affordable premium What is important to you? Sell the need How valuable is your income? How do you really spend your money? What are your typical monthly expenses? Could you afford to live without your income for a period of time 2 months, 6 months, to age 65? Are you concerned about inflation? Keep it simple and tie the conversation back to everyday experiences and what they know and understand. 4

5 Disabilities play no favorites The causes of disability may surprise you. Here s a typical breakdown (by percentage of claims) of some typical reasons an individual may become disabled. Source: Principal Life Disability Insurance claims incurred as of March The above is for illustration purposes only and is not intended as an inclusive representation of all claims. You probably think it won t happen to you, but During your career, you re 3½ times more likely to be injured and need disability coverage than you are to die and need life insurance. Source: Commissioner s Individual Disability Tables, CSO 5

6 It s not the money, it s the security and everything it provides The House Safe transportation Food Clothing Gas Insurance Taxes Retirement Vacations Gifts Sports leagues Entertainment Schooling Weddings Travel House maintenance Car repairs Which job would you prefer? * $100,000 less $1,500 in hypothetical annual disability income insurance premiums. Hypothetical premium amount paid and hypothetical annual benefit amount received depends on various factors. Your Financial Representative can illustrate the exact amount eligible for based on current underwriting guidelines. 6

7 Sell the product Keep it simple Have the proposal ready and work off the proposal Explain the waiting period and benefit period (and what that means to them) Policy pays in three ways Total Disability Partial Disability Catastrophic Disability Guaranteed benefits and premium Ability to add riders to customize policy to them inflation protection, ability to return to work part-time, etc. Sell the premium Premium typically costs 1% to 2% of gross income For a benefit that could pay out millions of dollars if you become too sick or hurt to work Get comfortable with asking them to commit If it was free would you buy it? Do you feel like this is something you can commit to? Do you want to move forward with the application? Is the premium jumping off the page at you? 7

8 $7,950/month benefit replaces 48% of $200,000 annual income For 1.51% of annual income Disability Insurance Awareness Month First annual, sponsored by the LIFE Foundation Local marketing tools available (co-op ad, press release template, consumer e- mailer, etc.) New testimonials! Know the Facts consumer level piece From Here to Security educational materials Corporate level advertising and press Visit Principal efinancialprofessional SM for more information! Go to: Individal Solutions Disability Insurance Sales & Marketing Disability Insurance Awareness Month 8

9 Questions? Insurance issued by Principal Life Insurance Company a member of the Principal Financial Group, Des Moines, IA Disability insurance has exclusions and limitations. For costs and complete details of the coverage, contact your Principal Life Financial Representative

INDIVIDUAL DISABILITY INSURANCE

INDIVIDUAL DISABILITY INSURANCE Disability Insurance Crash Course 1 AN INTRO TO INDIVIDUAL DISABILITY INSURANCE Disability Insurance Crash Course 2 AN INTRODUCTORY GUIDE TO HOW INDIVIDUAL DISABILITY INSURANCE POLICIES WORK, AND WHY YOU

More information

Individual Disability Income Insurance: Overcoming Individual Disability Income Insurance Objections

Individual Disability Income Insurance: Overcoming Individual Disability Income Insurance Objections Individual Disability Income Insurance: Overcoming Individual Disability Income Insurance Objections Rick Cordaro, DIA, LUTCF Disability Income Regional Vice President This publication is intended to provide

More information

DISABILITY INSURANCE. MetLife Income Guard California SM. Flexible Income Protection that Works for You.

DISABILITY INSURANCE. MetLife Income Guard California SM. Flexible Income Protection that Works for You. DISABILITY INSURANCE MetLife Income Guard California SM Flexible Income Protection that Works for You. Protecting your income is a smart idea. While you may already have life insurance, disability insurance

More information

Don t let your lifestyle disappear. Income Protection

Don t let your lifestyle disappear. Income Protection Don t let your lifestyle disappear. Income Protection What is your largest financial asset? Is it your home? Is it your business? Your income is an asset Annual salary of 60,000, aged 40 Earnings to retirement

More information

DISABILITY INSURANCE. MetLife Income Guard SM. Flexible Income Protection That Works for You.

DISABILITY INSURANCE. MetLife Income Guard SM. Flexible Income Protection That Works for You. DISABILITY INSURANCE MetLife Income Guard SM Flexible Income Protection That Works for You. Protecting your income is a smart idea. While you may already have life insurance, disability insurance can help

More information

Income Protection. The Income Protection Market - Opportunity? Karen Gallagher Business Development Manager

Income Protection. The Income Protection Market - Opportunity? Karen Gallagher Business Development Manager Karen Gallagher Business Development Manager The Market - Opportunity? Only 12% to 15% of the working population have cover Majority of people in Ireland are still in employment Current consumer sentiment

More information

Income Protection. Karen Gallagher Business Development Manager

Income Protection. Karen Gallagher Business Development Manager Karen Gallagher Business Development Manager THE NEED FOR INCOME PROTECTION Worker s confusion over sick pay 30% of workers believe their employer will provide sick pay indefinitely Over- optimism re:

More information

Designing an income protection plan The Union Central Life Insurance Company DI 1071 5/07

Designing an income protection plan The Union Central Life Insurance Company DI 1071 5/07 Disability Income Insurance Client Highlights Designing an income protection plan The Union Central Life Insurance Company DI 1071 5/07 Disability Income Insurance What is your greatest asset: Your home?

More information

FOR INDIVIDUALS INCOME PROTECTION GUIDE

FOR INDIVIDUALS INCOME PROTECTION GUIDE FOR INDIVIDUALS INCOME PROTECTION GUIDE PROTECT YOUR EVERYDAY DOES YOUR LIFESTYLE DEPEND ON YOUR INCOME? What would happen to your lifestyle your everyday and future plans if you became too sick or hurt

More information

DISABILITY INSURANCE. MetLife Income Guard. Flexible Income Protection that Works for You.

DISABILITY INSURANCE. MetLife Income Guard. Flexible Income Protection that Works for You. DISABILITY INSURANCE MetLife Income Guard SM Flexible Income Protection that Works for You. Most people prepare for important goals or events, like finding a new home, purchasing a car, taking a vacation

More information

DISABILITY insurance. MetLife Income Guard SM. Flexible Income Protection that Works for You.

DISABILITY insurance. MetLife Income Guard SM. Flexible Income Protection that Works for You. DISABILITY insurance MetLife Income Guard SM Flexible Income Protection that Works for You. Most people prepare for important goals or events, like finding a new home, purchasing a car, taking a vacation

More information

Disability Insurance. Financial Protection For Individuals And Business Owners. Standard Insurance Company Individual Disability Insurance

Disability Insurance. Financial Protection For Individuals And Business Owners. Standard Insurance Company Individual Disability Insurance Disability Insurance Financial Protection For Individuals And Business Owners Standard Insurance Company Individual Disability Insurance Income Protection When You Need It Most The home you live in, the

More information

LONG-TERM CARE INSURANCE

LONG-TERM CARE INSURANCE Personal LONG-TERM CARE INSURANCE Questionnaire I. PERSONAL GOALS These are some of the primary reasons people buy Long-Term Care insurance. Do these apply to you? I consider it important to be able to

More information

Protect Your Most Valuable Asset

Protect Your Most Valuable Asset Disability Income Insurance Protect Your Most Valuable Asset Your Ability To Earn A Living Page Heading Title And Double Line Title Your lifestyle and dreams for the future depend on your ability to earn

More information

Disability Income Insurance. Client Highlights. Designing an Income Protection Plan DI 1071 12/11

Disability Income Insurance. Client Highlights. Designing an Income Protection Plan DI 1071 12/11 Disability Income Insurance Client Highlights Designing an Income Protection Plan DI 1071 12/11 Disability Income Insurance What is your greatest asset: Your home? Your Business? They are both vital to

More information

IEEE Financial Advantage Program Article for FYI Newsletter. If you become disabled and can t work, where will your money come from?

IEEE Financial Advantage Program Article for FYI Newsletter. If you become disabled and can t work, where will your money come from? Safeguarding Your Income If you become disabled and can t work, where will your money come from? You put a portion of every paycheck in savings. You keep on top of your monthly bills. You ve signed up

More information

Individual Disability Income Insurance. Help Protect Your Income and Financial Future

Individual Disability Income Insurance. Help Protect Your Income and Financial Future Individual Disability Income Insurance Help Protect Your Income and Financial Future Why protect your income? THE NEED....1-11 AFFORDABILITY AND VALUE.... 12-21 SUPPLEMENT OTHER INSURANCE.... 22-23 THE

More information

It s time to envision your future.

It s time to envision your future. It s time to envision your future. With the help of MassMutual you will like what you see. NOT FOR USE IN CA, CO AND FL. What will your life look like fifteen years from now? Do you have a very good vision

More information

Disability Income Choice Portfolio

Disability Income Choice Portfolio Mutual of Omaha Insurance Company Disability Income Choice Portfolio SM MC34442 While many workers have group disability coverage through an employer, it often covers only 50 to 60 percent of their pay.

More information

Help Protect Your Most Valuable Asset Your Income

Help Protect Your Most Valuable Asset Your Income Help Protect Your Most Valuable Asset Your Income NJEA Endorsed Disability Insurance Program For enrollments on and after October 1, 2012 The Prudential Insurance Company of America 02046-00002-00 Think

More information

Why Disability Insurance

Why Disability Insurance Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and

More information

-37-8. Disability Insurance: What to Look For

-37-8. Disability Insurance: What to Look For -37-8. Disability Insurance: What to Look For If it s human nature to avoid thinking about our own death, it is also typically human to shun thinking about becoming disabled. Yet each year in America thousands

More information

What you needto know about disability insurance

What you needto know about disability insurance What you needto know about disability insurance Insuring your Most Valuable Asset...You Your most important asset is not your home, your car, your jewelry or other possessions. It s your ability to earn

More information

ProVider Plus Individual Disability Income Insurance

ProVider Plus Individual Disability Income Insurance ProVider Plus Individual Disability Income Insurance Keeping income strong Table of Contents Your income is your most valuable asset. Protect it!...........1 Disability Could it happen to you?........................2

More information

THE NEED FOR PROTECTION A DISABILITY CAN HAPPEN TO ANYONE...AT ANY TIME.

THE NEED FOR PROTECTION A DISABILITY CAN HAPPEN TO ANYONE...AT ANY TIME. THE NEED FOR PROTECTION A DISABILITY CAN HAPPEN TO ANYONE...AT ANY TIME. In the last 10 minutes, 490 Americans became disabled. In 2008, there were 2.1 million disabling injuries caused by a motor vehicle

More information

An introduction to Dentists Provident and income protection

An introduction to Dentists Provident and income protection An introduction to Dentists Provident and income protection An introduction to Dentists Provident and income protection We are the market leading provider of income protection insurance to dentists, and

More information

Why Disability Insurance

Why Disability Insurance Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and

More information

Term Life Insurance. Developed for the Employees of Iona College. 811761 a 06/12

Term Life Insurance. Developed for the Employees of Iona College. 811761 a 06/12 Term Life Insurance Developed for the Employees of Iona College 811761 a 06/12 Who Needs Life Insurance? You do. Single or married. Buying your first home or preparing for retirement. Raising children

More information

Mutual of Omaha Insurance Company. Disability Income Insurance. Learn the Truth. Know the Risk. Protect Your Income. keep it going!

Mutual of Omaha Insurance Company. Disability Income Insurance. Learn the Truth. Know the Risk. Protect Your Income. keep it going! Mutual of Omaha Insurance Company Disability Income Insurance Learn the Truth. Know the Risk. Protect Your Income. keep it going! MC35249 Remember the Big Wheel? Plastic tires spin more the harder you

More information

Risk Mitigation Strategies for Attorney Clients Income Protection & other Disability Insurance Contracts

Risk Mitigation Strategies for Attorney Clients Income Protection & other Disability Insurance Contracts Risk Mitigation Strategies for Attorney Clients Income Protection & other Disability Insurance Contracts Attorneys provide a multitude of opportunities for Insurance because they know the importance of

More information

Business Planning With Life and Disability Insurance

Business Planning With Life and Disability Insurance Business Planning With Life and Disability Insurance Speaker: Eddie Sussmann, Leading Edge Disability Center www.disabilitycenter.com For producer information and education only. Not for use with the general

More information

Individual Disability Insurance

Individual Disability Insurance Individual Disability Insurance One Key To A Secure Financial Future Standard Insurance Company The Standard Life Insurance Company of New York Standard Insurance Company is licensed to issue insurance

More information

Protecting Your Income

Protecting Your Income Protecting Your Income Income Protection For most of us, our income is our most important asset. It affects how we live and how we pay for everything from food, light and heating to our mortgage repayments,

More information

A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE

A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of

More information

Disability Income Choice at Work ACCIDENT ONLY DISABILITY INCOME INSURANCE

Disability Income Choice at Work ACCIDENT ONLY DISABILITY INCOME INSURANCE Mutual of Omaha Insurance Company Disability Income Choice at Work ACCIDENT ONLY DISABILITY INCOME INSURANCE MC35420 T DI Choice at Work The paycheck you earn helps you build the life you want for your

More information

Policyholder: Lenoir-Rhyne University Long-Term Disability (LTD) Coverage. Effective Date: 1/1/2014. Your Benefits at a Glance

Policyholder: Lenoir-Rhyne University Long-Term Disability (LTD) Coverage. Effective Date: 1/1/2014. Your Benefits at a Glance Policyholder: Lenoir-Rhyne University Long-Term Disability (LTD) Coverage Effective Date: 1/1/2014 This is a summary of your long-term disability coverage from Principal Life Insurance Company. Long-term

More information

Short-Term Disability Insurance

Short-Term Disability Insurance Short-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Lake County Board of County Commissioners Protecting Your Family Securing Your Future As long as you've got your health. If

More information

Which Of These Statements Apply To You?

Which Of These Statements Apply To You? Which Of These Statements Apply To You? I have invested a substantial amount of time and money to get where I am today in my profession. My earnings potential is very high. I own my own business. I'd really

More information

A Guide to Disability Insurance

A Guide to Disability Insurance term Introduction The following information is for educational purposes only. This information is not intended to replace the advice of an insurance professional or address specific situations. Your personal

More information

Disability Insurance Basics

Disability Insurance Basics AMRISH PATEL Financial Advisor 215 S. Dobson Road, Suite# 4 Chandler, AZ 85224 480-221-6502 480-664-2497 amrish.patel@securitiesamerica.com www.gwstrategies.com Disability Insurance Basics Page 2 of 8

More information

TMAIT Insurance Guides for Physicians. Long-term Disability Insurance

TMAIT Insurance Guides for Physicians. Long-term Disability Insurance TMAIT Insurance Guides for Physicians Long-term Disability Insurance TMAIT Insurance Guides The TMAIT Insurance Guides are intended to help physicians make sound insurance decisions for themselves and

More information

WHAT IF? INCOME PROTECTION ADVISER GUIDE

WHAT IF? INCOME PROTECTION ADVISER GUIDE INCOME PROTECTION ADVISER GUIDE WHAT IF? 92% of advisers think that income protection is undersold. Your clients may not realise how vulnerable they are, so it s a worthwhile opportunity to talk to them

More information

Disability Insurance Basics

Disability Insurance Basics EBNY Financial, LLC Kevin Kautzmann, CFP Certified Financial Planner 80 Fifth Avenue #1403 212-269-2625 kevin@ebnyfinancial.com www.ebnyfinancial.com Disability Insurance Basics July 08, 2014 Page 1 of

More information

Why Disability Insurance

Why Disability Insurance Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and

More information

Short-Term Disability Insurance

Short-Term Disability Insurance Short-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,

More information

SALARY SAVER Protect your income, protect yourself. MetLife Individual Disability Income Insurance.

SALARY SAVER Protect your income, protect yourself. MetLife Individual Disability Income Insurance. Disability Insurance Disability Income With MetLife Individual Disability Income Insurance, you re protected no matter what the weather. SALARY SAVER Protect your income, protect yourself. MetLife Individual

More information

Disability Insurance Social Security Benefits & Health Care Reform

Disability Insurance Social Security Benefits & Health Care Reform Disability Insurance Social Security Benefits & Health Care Reform Course Number: 286995 Craig Gussin, CLU Question for you?? Who is the largest Minority in America?? 1 ANSWER It s the 51 Million Americans

More information

Why Disability Insurance

Why Disability Insurance Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and

More information

What every Physician should. Disability Insurance. By J. Christopher Burke, FLMI President, AMA Insurance Agency, Inc.

What every Physician should. Disability Insurance. By J. Christopher Burke, FLMI President, AMA Insurance Agency, Inc. Physician White Paper What every Physician should Know About Disability Insurance. By J. Christopher Burke, FLMI President, AMA Insurance Agency, Inc. Traditionally, physicians are a financially conservative

More information

For Individuals. Financial Security. Guide to Income Protection

For Individuals. Financial Security. Guide to Income Protection For Individuals Financial Security A Step-by-Step Guide to Income Protection From Here to security sm Protecting your dreams takes time. And a little help. The road to financial security is long and full

More information

Considering an Offer to Retire Early: Should You Take It?

Considering an Offer to Retire Early: Should You Take It? Considering an Offer to Retire Early: Should You Take It? What is it? In today's corporate environment, where cost cutting, restructuring, and downsizing are the norm, many employers are offering their

More information

D I S A B I L I T Y I N S U R A N C E P R O T E C T I O N

D I S A B I L I T Y I N S U R A N C E P R O T E C T I O N D I S A B I L I T Y I N S U R A N C E P R O T E C T I O N MAIN OFFICE 7800 S. Elati Street Suite 205 Littleton, Colorado 80120 303.470.5664 800.983.4448 FLORIDA OFFICE 1452 North U.S. Hwy 1 Suite 113 Most

More information

Optional Group Term Life Insurance Program

Optional Group Term Life Insurance Program Optional Group Term Life Insurance Program For Employees of the State of Tennessee Insuring your future What s inside: Why do I need life insurance? How much is enough? How do I enroll? What do I need

More information

Voluntary Short-Term Disability Insurance

Voluntary Short-Term Disability Insurance Voluntary Short-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Marion County - Oregon Protecting Your Family Securing Your Future As long as you've got your health. If you're physically

More information

Disability Insurance Basics

Disability Insurance Basics Ameriprise Financial Michael Gluski, CRPC Financial Advisor 12800 University Drive #105 Fort Myers, FL 33907 239-768-8830 michael.gluski@ampf.com www.ameripriseadvisors.com/michael.gluski Disability Insurance

More information

The Nature of Financial Risk and How to Manage It

The Nature of Financial Risk and How to Manage It Offering Complete Wealth Management Services Steve H. Hornstein, Esq., CPA, LL.M., CFP, LPL Financial Advisor Evan Press, LPL Financial Advisor 20335 Ventura Blvd., Suite 203 Woodland Hills, CA 91364 Office:

More information

HOW TO BUY DISABILITY INSURANCE LIKE A PRO. Ellen Freedman, CLM Law Practice Management Coordinator Pennsylvania Bar Association

HOW TO BUY DISABILITY INSURANCE LIKE A PRO. Ellen Freedman, CLM Law Practice Management Coordinator Pennsylvania Bar Association HOW TO BUY DISABILITY INSURANCE LIKE A PRO Ellen Freedman, CLM Law Practice Management Coordinator Pennsylvania Bar Association By now you know that you should have disability insurance, right? It s the

More information

Personal Insurance Myths

Personal Insurance Myths Twelve Personal Insurance Myths You Can t Afford To BELIEVE TWELVE PERSONAL INSURANCE MYTHS You Can t Afford to Believe When it comes to insurance, you need straight facts not myths and legends. Remember

More information

The Need for Life Insurance

The Need for Life Insurance Page 1 of 5 From Jared Adams Condie & Adams, PLLC 603 4th Avenue, Suite 200 Kirkland, WA 98033 4254501040 Volume 2, Issue 2 Planning for the New "Zero Percent" Tax Bracket The Need for Life Insurance Condie

More information

Income protection solutions

Income protection solutions For UK financial advisers only Income protection solutions Tailored to your client and their budget What is income protection? Income Protection can be an everyday essential that works when your client

More information

Disability Insurance 101

Disability Insurance 101 Disability Insurance 101 Protect Your Most Valuable Asset Brought to you by What is This Guide? The Council for Disability Awareness is a nonprofit organization dedicated to educating Americans about the

More information

Expense Plus Business Overhead Protection...

Expense Plus Business Overhead Protection... Expense Plus Business Overhead Protection... DISABILITY INCOME Because Your Business is Well Worth Protecting Expense Plus High Quality Noncancelable Guaranteed Renewable Business Overhead Disability Insurance

More information

SHORT TERM DISABILITY. benefits for employees that benefit employers

SHORT TERM DISABILITY. benefits for employees that benefit employers SHORT TERM DISABILITY benefits for employees that benefit employers Short Term Disability VOLUNTARY Doesn t it make sense to protect your paycheck? Statistics show that the majority of American families

More information

Trendsetter. LB Series. Product Overview

Trendsetter. LB Series. Product Overview Trendsetter LB Series Product Overview Trendsetter LB Series Life happens. Are you prepared? Sometimes we are surprised by what happens in life. One of the most important assets we have is our health

More information

Keep Your Future on Course Protect Your Most Valuable Asset

Keep Your Future on Course Protect Your Most Valuable Asset Keep Your Future on Course Protect Your Most Valuable Asset Disability Income PROTECTION Contents Your Most Valuable Asset 1 Disability Could it Happen to You? 2 The Leading Causes of Disability 3 ProVider

More information

DISABILITY INCOME PROTECTION

DISABILITY INCOME PROTECTION DISABILITY INCOME PROTECTION Item 235 Safe. Sound. Secure. P eople work hard to afford what they enjoy in life, and to pay their continuing expenses such as food, clothing, shelter, utilities, insurance

More information

The Hartford Income Security SM

The Hartford Income Security SM The Hartford Income Security SM A Fixed Deferred Payout Annuity Prepare To Live SM For Use In All States, Except Florida Start Building Your Future Income Today There s never been a better time to begin

More information

Income Protection Disability

Income Protection Disability Income Protection Disability Protecting loved ones from financial hardship in the event of premature death of a primary income earner is usually a high priority for most Canadians. Unfortunately, while

More information

Accident Only Disability Income Insurance Learn the Truth. Know the Risk. Protect your Income.

Accident Only Disability Income Insurance Learn the Truth. Know the Risk. Protect your Income. Mutual of Omaha Insurance Company Accident Only Disability Income Insurance Learn the Truth. Know the Risk. Protect your Income....so you can keep it going. MC35297 Accident Only Disability Income Insurance

More information

A Guide to Novated Leases. www.sgfleet.com

A Guide to Novated Leases. www.sgfleet.com A Guide to Novated Leases www.sgfleet.com Improve the Weekly Budget A holiday, new clothes or just a bit more money in the wallet; whatever the reason, everyone should consider the potential improvements

More information

LIFE INSURANCE KEY FACTS

LIFE INSURANCE KEY FACTS GENERAL INSURANCE CONCEPTS LIFE INSURANCE KEY FACTS A condition that could result in a loss is known as an EXPOSURE. An insurer is responsible for all acts of their agents as long as the agent operates

More information

Disability Insurance. Business

Disability Insurance. Business Overhead Expense Disability Insurance to Cover Reimbursement for Overhead Expenses Business P r o d u c t s Reimbursement for Business Expenses in the event of Disability You ve worked hard to establish

More information

An extra layer of protection

An extra layer of protection State of Florida Group Term Life Insurance Program for Employees Action Required An extra layer of protection m A Securian Company Dear New Employee, As a new employee of the State of Florida, you have

More information

To order printed version of this document, request Pub3527BL via Forms On Demand. Disability Insurance. Business

To order printed version of this document, request Pub3527BL via Forms On Demand. Disability Insurance. Business Overhead Expense To order printed version of this document, request Pub3527BL via Forms On Demand. Disability Insurance to Cover Reimbursement for Overhead Expenses Business P r o d u c t s Reimbursement

More information

DISABILITY INSURANCE Salary Continuation Program

DISABILITY INSURANCE Salary Continuation Program DISABILITY INSURANCE Salary Continuation Program protect the people who make your business a success Help your employees when they need youthe most. As a business owner, you probably feel you have certain

More information

Long-Term Disability Insurance

Long-Term Disability Insurance Long-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future As long as you've got your health.

More information

Lifetime Income Benefit Rider

Lifetime Income Benefit Rider for a secure Retirement Lifetime Income Benefit Rider (LIBR-2008)* Included automatically on most Indexed Annuities** Take Back Control of Your Retirement With Guaranteed Lifetime Income! *Not available

More information

Disability Income Protection. Business. Keeping income strong

Disability Income Protection. Business. Keeping income strong Disability Income Protection Business P r o d u c t s Keeping income strong Contents Your Most Valuable Asset 1 Disability Could it Happen to You? 2 The Leading Causes of Disability 3 ProVider Plus Disability

More information

An extra layer of protection

An extra layer of protection State of Florida Group Term Life Insurance Program for Employees Action Required An extra layer of protection m A Securian Company Dear New Employee, As a new employee of the State of Florida, you have

More information

Short-Term Disability Insurance

Short-Term Disability Insurance Short-Term Disability Insurance Developed for the Employees of State of Tennessee, County of Shelby, Shelby County Government Protecting Your Family Securing Your Future As long as you've got your health.

More information

We are pleased to announce a new Long Term Disability (LTD) benefit which will be effective January 1, 2008.

We are pleased to announce a new Long Term Disability (LTD) benefit which will be effective January 1, 2008. We are pleased to announce a new Long Term Disability (LTD) benefit which will be effective January 1, 2008. All full-time employees who are actively at work and on regular payroll by October 1, 2007,

More information

The University of Tennessee. Group Long Term Disability Plan

The University of Tennessee. Group Long Term Disability Plan The University of Tennessee Group Long Term Disability Plan For Academic and Exempt Employees Effective December 1, 2003 Contents What If Your Paycheck Stops?.........................1 About TIAA and The

More information

A Disability Income Insurance Guide for Individuals and Families. Disabled? Me? Never! Insurance Strategies

A Disability Income Insurance Guide for Individuals and Families. Disabled? Me? Never! Insurance Strategies A Disability Income Insurance Guide for Individuals and Families Disabled? Me? Never! Insurance Strategies What if you were to become too sick or hurt to work? If you couldn t work, would your family have

More information

Income protection solutions

Income protection solutions For financial adviser use only Income protection solutions Tailored to your client and their budget What is income protection? Income Protection can be an everyday essential that works when your client

More information

Long-Term Disability Insurance

Long-Term Disability Insurance Long-Term Disability Insurance Developed for the Employees of Lake County Board of County Commissioners 817763 a 06/12 Protecting Your Family Securing Your Future As long as you've got your health. If

More information

Long-Term Disability Insurance

Long-Term Disability Insurance Long-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,

More information

For groups with 51+ employees: Affordable Group Term Life Insurance Short and Long Term Disability Insurance Optional Group Term Life Insurance

For groups with 51+ employees: Affordable Group Term Life Insurance Short and Long Term Disability Insurance Optional Group Term Life Insurance HEALTH Life and disability protection DENTAL VISION LIFE DISABILITY EAP For groups with 51+ employees: Affordable Group Term Life Insurance Short and Long Term Disability Insurance Optional Group Term

More information

Underwritten by Genworth Life Insurance Company

Underwritten by Genworth Life Insurance Company The Teacher Retirement System of Texas Group Long Term Care Insurance Program for New TRS Members Underwritten by Genworth Life Insurance Company 2007 Genworth Financial, Inc. All rights reserved. 45145

More information

universal Life Insurance offered by: Alliance Group LC, is an independent contractor representing Western Reserve Life Assurance Co.

universal Life Insurance offered by: Alliance Group LC, is an independent contractor representing Western Reserve Life Assurance Co. universal Life Insurance offered by: Alliance Group LC, is an independent contractor representing Western Reserve Life Assurance Co. of Ohio 42422 0411 lliance Life happens. Are you prepared? Sometimes

More information

Disability Insurance Statistics

Disability Insurance Statistics Individual Disability Insurance Disability Insurance Statistics Individual Disability Insurance from Principal Life Insurance Company helps clients protect their most valuable asset - their ability to

More information

Sample. About this ForeCare SM Fixed Annuity Calculator output: CALCULATOR. Prepared for. Prepared on. Prepared by. Forethought Life Insurance Company

Sample. About this ForeCare SM Fixed Annuity Calculator output: CALCULATOR. Prepared for. Prepared on. Prepared by. Forethought Life Insurance Company CALCULATOR About this ForeCare SM Fixed Annuity Calculator output: This ForeCare SM Fixed Annuity ("ForeCare") Calculator ("Calculator") demonstrates the amount of coverage that could be available for

More information

Your Number. Every person has one. ANNUITIES. Your future. Made easier. SM

Your Number. Every person has one. ANNUITIES. Your future. Made easier. SM Your Number. Every person has one. Not FDIC/NCUA Insured Not A Deposit Of A Bank Not Bank Guaranteed May Lose Value Not Insured By Any Federal Government Agency ANNUITIES Your future. Made easier. SM Know

More information

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan...

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan... Table of Contents 1 Partnering for Success... 2 Page 2 About Liberty Mutual... 3 3 Supplementing the State's Plan... 4 4 Plan Highlights... 7 5 Questions and Answers... 9 UNC Supplemental Disability 1

More information

Long-Term Disability Insurance

Long-Term Disability Insurance Long-Term Disability Insurance Developed for the employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future If you re physically healthy, you can work, play,

More information

Short Term Disability Insurance Coverage paid by you

Short Term Disability Insurance Coverage paid by you Short Term Disability Insurance Coverage paid by you Eligibility All active, full-time U.S. Employees, who are regularly working a minimum of 30 hours per week. Weekly Benefit 60% of your weekly earnings

More information

Disability Insurance

Disability Insurance Prepared for: Valued Wisconsin Benefits Clients Prepared by: Charles Ouimette Wisconsin Benefit Planning, Inc. 315 E. Front St. PO Box 1089 Minocqua, WI. 54548 Phone: 715-356-2300 Mobile: 715-892-1748

More information

Living benefits included at no additional premium cost

Living benefits included at no additional premium cost Living benefits included at no additional premium cost TERM LIFE INSURANCE OFFERED BY: Alliance Marketing Group LC, is an independent contractor representing Western Reserve Life Assurance Co. of Ohio

More information

What you need to know about disability insurance

What you need to know about disability insurance What you need to know about disability insurance Insuring your Most Valuable Asset...You Your most important asset is not your home, your car, your jewelry or other possessions. It s your ability to earn

More information