What if illness or injury made it impossible for you to work?

Size: px
Start display at page:

Download "What if illness or injury made it impossible for you to work?"

Transcription

1 This is the best time to protect your future earnings Disability Income Insurance for New Professionals

2 Your earning power is your most valuable asset Your ability to earn an income is your most valuable asset and the foundation of any financial strategy. As a professional at the beginning of your career, you may already be thinking about future goals owning a home, traveling, raising a family and accumulating assets. Your income makes these things possible. It pays the basic expenses of daily living and enables you to build wealth for the future. Consider this: a 30-year-old earning $75,000 a year will earn $4.5 million by age 65, assuming only 3% annual increases. Doesn t it make sense to protect that income? What if illness or injury made it impossible for you to work? How would you pay off your student loans? How long would any savings last? What is your Plan B: Move back in with your parents? Live off credit cards? Try to survive on Social Security (if you are even eligible yet)? With no job, could you even borrow? After recovery, how long would it take to get back on track?

3 Unfortunately, your future earnings and lifestyle are at risk if you cannot work as the result of a disability and disability from an accident or illness is much more common than you think. Disability - caused by a car accident, a serious illness like cancer, heart attack, or back injury is a very real possibility. 90% Illness 10% Injury Source: 2008 Council for Disability Awareness, Long-Term Disability Claims Review, % of new claims. That s why purchasing a disability income insurance policy to help protect your income is one of the most responsible decisions you ll ever make. However, disability insurance benefits are typically based on earnings, and many new professionals lack the earnings history necessary to qualify. Guardian makes it possible for new professionals to obtain important disability income coverage For eligible occupations, our program for New Professionals provides a monthly benefit based on the earnings you expect early in your career without proof of income. You can also cover retirement contributions even if you haven t started your retirement account.

4 There are advantages of obtaining this insurance now: You can lock in at a low rate. The cost of protection increases with age. You can leverage your good health. Your eligibility for disability insurance, and your ability to obtain it on the most favorable terms, depends on your health. Qualifying occupations receive a basic monthly benefit with no income verification. You may also apply for a higher amount of coverage above the limits provided by this program. Benefits are tax free, since you pay for the coverage. * You can protect your future. If you save 10% of your income, one year of disability can wipe out 10 years of savings. A ProVider Plus policy from Guardian offers solid protection. ProVider Plus offers comprehensive disability income protection for first-year professionals, as well as medical residents and students in select career fields. The ProVider Plus policy offers built-in features including true ownoccupation coverage, which considers you totally disabled if you are unable to perform the duties of your occupation. Coverage without proof of earnings. We offer competitive monthly benefit payments for a full range of specialty occupations. Under the company s Special Limits for New Professionals Program, should you become disabled and be eligible for benefits, your monthly benefit would be based on the earnings potential of your specialized field. You do not need to provide proof of earnings.

5 Now we offer high coverage limits and provide coverage for more specialty occupations! Coverage that is non-cancellable and guaranteed renewable. As long as the premiums are paid, the policy won t be cancelled, and it s guaranteed renewable to age 65 (or age 67 with a To Age 67 Benefit period). Compare ProVider Plus coverage to competitive or employer-provided/ association coverage. If you re a medical resident, make sure any policy you are considering is non-cancellable and guaranteed renewable you may find that coverage offered by other insurers or professional associations do not include the level of protection found in ProVider Plus. Optional riders provide additional protection: Cover future earnings increases without evidence of good health. ** As your career grows, so will your earnings. We offer you the ability to protect the growth in your earnings with a Future Increase Option rider. This rider enables you to purchase additional coverage without providing further evidence of good health. Plan for catastrophic loss in the event of severe disability. In the event your disability is severe and you are unable to perform two or more activities of daily living, we offer a Catastrophic Disability Benefit Rider that protects you over and above the monthly disability benefit. Severe losses can be costly and this coverage helps to defray regular expenditures that are associated with disability.

6 Help cover your retirement contributions even if you haven t started saving yet. *** The Retirement Protection Plus program provides disability income insurance to help replace retirement plan contributions made by you and your employer in the event you become disabled. The goal is to provide you with close to what you could have expected from your retirement plan if you had not become disabled. Coverage is available by rider, or as a separate policy. Work with your insurance professional to structure coverage to meet your needs. Together, you should determine: When your benefits begin Length of the benefit period Premium payment options

7 If you are a student, resident, or in your first year of practice in any of the following fields, call your licensed insurance representative today and take the next step in securing your financial future. First-Year Professionals General Practice Physicians Medical Specialists Surgeons Dentists Dental Specialists Architect Attorney Computer Scientist CPA Degreed Engineer MBA Professional Nurse Practitioner Certified Optometrist Pharmacist PhD Psychologist Physician Assistant (PA.) Certified Podiatrist Veterinarian Residents & Fellows Fellow Medical Resident Podiatrist Dental Resident Dental Specialty School (following dental residency) Students - Sr./Final Year Medical Dental Accounting Architect Computer Science Engineering Law School MBA Program Optometry Pharmacy (Final 2 Yrs) Podiatry Veterinary * This publication does not constitute tax or legal advice. For information on your specific situation, contact your personal legal or tax advisor. ** Restrictions and limitations apply. The amount of additional coverage available will be financially underwritten based on the amount of disability insurance you have or are eligible to receive, as well as your income at the time you apply. *** Retirement Protection Plus is not a pension plan or a substitute for one. Optional riders are available for an additional premium.

8 Disability insurance Policy Forms 1400 or 1500 underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. This publication is provided as a courtesy by Berkshire Life Insurance Company of America and does not modify the provisions of any policy. It is offered for the purpose of education and information only and is not intended to constitute tax or legal advice. For information on your specific situation, please consult your personal legal or tax advisor. Product provisions and features may vary from state to state. The Guardian Life Insurance Company of America 7 Hanover Square New York, NY Pub4260BL (04/10)

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. 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

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

Product Overview Products to keep your clients income, retirement savings and business strong.

Product Overview Products to keep your clients income, retirement savings and business strong. Individual Disability Income Insurance provider Plus and ProVider Plus Limited Product Overview Products to keep your clients income, retirement savings and business strong. For For Producer use use only.

More information

The Intelligent Choice for Basic Disability Income Protection. Keeping Income. strong

The Intelligent Choice for Basic Disability Income Protection. Keeping Income. strong The Intelligent Choice for Basic Disability Income Protection ProVider Plus Limited Keeping Income strong We purposefully engineer our basic disability income product to provide benefit-rich features delivering

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

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

IMPORTANT FACTS. about the tax treatment of disability insurance products

IMPORTANT FACTS. about the tax treatment of disability insurance products IMPORTANT FACTS about the tax treatment of disability insurance products Taxes Disability insurance premiums and benefits are subject to various tax laws, both on an individual and a business basis. This

More information

The Professional Series

The Professional Series The Professional Series INSURANCE ADVISOR GUIDE For advisor use only. PLAN CODE 964 level; 965 step rate PRODUCT TYPE Individual disability income protection SALES TIP Consider offering your client the

More information

Policy Features and Key Differences

Policy Features and Key Differences ProVider Plus & ProVider Plus Limited Comparison Insurance Proposal Policy Features and Key Differences Male, age 30, Rhode Island Proposed Coverage Details ProVider Plus ProVider Plus Limited Base Policy

More information

Products that help you protect your clients income

Products that help you protect your clients income For producer use only. Not for use with the general public. Products that help you protect your clients income PRODUCT overview Individual disability income INSURANCE Guaranteed standard issue disability

More information

How will you be able to pay your student loans if you become sick or injured?

How will you be able to pay your student loans if you become sick or injured? How will you be able to pay your student loans if you become sick or injured? Introducing... Medical ValueGuard Own-Occupation Disability Protection For Your Student Loans You have invested countless hours

More information

For advisor use only. RBC Insurance 2016 Student Savings Program

For advisor use only. RBC Insurance 2016 Student Savings Program For advisor use only RBC Insurance 2016 Student Savings Program Contents RBC Insurance 2016 Student Savings Program...3 Eligible Occupations...4 Timing of the 2016 Student Savings Program...4 Student Limits

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

Protect your most valuable asset

Protect your most valuable asset Protect your most valuable asset ProViderPlus INDIVIDUAL DISABILITY INCOME INSURANCE 1 E1043-05-08 TABLE OF CONTENTS The Risk of Disability Statistics Leading Causes Resources People Rely On What to look

More information

Business Loan Protector

Business Loan Protector Business Loan Protector Insurance Advisor Guide For advisor use only. PLAN CODE: 958 periodic pay; 958L lump sum PRODUCT TYPE Business protection PURPOSE AND MARKET The Business Loan Protector policy has

More information

Lifestyle Protection Plan for Executives

Lifestyle Protection Plan for Executives Chris is 36 years old and earns $90,000 per year. He is about to suffer a massive heart attack that will put him out of work permanently...... and cost him over $4 million. Lifestyle Protection Plan for

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

broker Compensation Guide

broker Compensation Guide BROKER COMPENSATION broker Compensation Guide individual disability Insurance F o r p r o d u c e r u s e o n l y. N o t f o r u s e w i t h t h e g e n e r a l p u b l i c. Sell Premier DI Products &

More information

Intelligent Choice During Residency and Beyond. Travis Christy Disability Income Specialist/ Financial Representative

Intelligent Choice During Residency and Beyond. Travis Christy Disability Income Specialist/ Financial Representative Intelligent Choice During Residency and Beyond Travis Christy Disability Income Specialist/ Financial Representative Intelligent Choice Travis Christy Guardian Disability Specialist. HSAC Disability Program

More information

Berkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468

Berkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468 Berkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468 DISABILITY INCOME PROTECTION COVERAGE REQUIRED OUTLINE OF COVERAGE Policy Form 1500 1. READ YOUR

More information

Individual Disability Income Product Guide

Individual Disability Income Product Guide Disability Income Individual Disability Income Product Guide For California Occupational Class Reference Guide Class Description 6S 1 This class includes those persons in select professional occupations

More information

What will happen to your business if you become sick or injured?

What will happen to your business if you become sick or injured? What will happen to your business if you become sick or injured? Introducing... Business ValueGuard Disability Protection For Your Business You protect your income with personal disability insurance. You

More information

Protector Platinum SM

Protector Platinum SM Protector Platinum SM Comprehensive. Compassionate. Committed To You. Standard Insurance Company Individual Disability Income Insurance Why Choose Protector Platinum? The Reasons Are As Comprehensive As

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

Unit 9. Berkshire Personal Disability Insurance Products

Unit 9. Berkshire Personal Disability Insurance Products Unit 9 Berkshire Personal Disability Insurance Products Let s take a close look 1 Personal DI Products High quality markets require high quality products Berkshire s individual disability income products

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

The course of the business depends on a few

The course of the business depends on a few For the Closely Held Business Owner Protecting Your Business from the Loss of a Key Employee The course of the business depends on a few On the Cover GUIDANCE AND DIRECTION We provide solutions to help

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

Key Person Protector INSURANCE ADVISOR GUIDE. For advisor use only. PLAN CODE PRODUCT TYPE PURPOSE AND MARKET

Key Person Protector INSURANCE ADVISOR GUIDE. For advisor use only. PLAN CODE PRODUCT TYPE PURPOSE AND MARKET Key Person Protector INSURANCE ADVISOR GUIDE For advisor use only. PLAN CODE 933 PRODUCT TYPE Business protection PURPOSE AND MARKET RBC Insurance has developed the Key Person Protector to provide coverage

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

mnimed Disability Insurance for Physicians: How To Find The Best Policy omnimedfinancial.com Financial & Insurance

mnimed Disability Insurance for Physicians: How To Find The Best Policy omnimedfinancial.com Financial & Insurance Disability Insurance for Physicians: How To Find The Best Policy By Joe Capone, ChFC, LUTCF and Rick Warren, MBA Joe Capone, ChFC, LUTCF Rick Warren, MBA O ver the last couple of decades, the disability

More information

How to Choose a Disability Insurance Company

How to Choose a Disability Insurance Company How to Choose a Disability Insurance Company Fulfilling Promises A 2014 GUIDE THROUGH RELEVANT INDUSTRY INFORMATION The Guardian Life Insurance Company of America (Guardian) is one of the largest mutual

More information

Disability Income Insurance 201 For producer training only. Not for use with consumers.

Disability Income Insurance 201 For producer training only. Not for use with consumers. Standard Insurance Company The Standard Life Insurance Company of New York Standard Insurance Company is licensed to issue insurance in all states except New York. The Standard Life Insurance Company of

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

Guardian Underwriting

Guardian Underwriting Guardian Underwriting MARCH 2011 Field Underwriting Guide Disability Income Insurance A guide to help you creatively balance the needs of the client. For Producer use only. Not for use with the general

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

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

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

Ensuring Your Path. Solutions Protecting Life s Next Steps. The Guardian Life Insurance Company of America A LONG TERM CARE GUIDE FOR CONSUMERS

Ensuring Your Path. Solutions Protecting Life s Next Steps. The Guardian Life Insurance Company of America A LONG TERM CARE GUIDE FOR CONSUMERS Ensuring Your Path Solutions Protecting Life s Next Steps Pub5889ICC (5/13) ICC13 LTCR 5889 2013 1438 The Guardian Life Insurance Company of America A LONG TERM CARE GUIDE FOR CONSUMERS The good news is

More information

Lifestyle Protection Plan for Business Owners

Lifestyle Protection Plan for Business Owners Paul is 38 years old and nets $60,000 per year. He is about to fall, seriously injure his neck and put himself out of business......it will cost him over $2.4 million. Lifestyle Protection Plan for Business

More information

Nautical Term. Just add life. CLIENT GUIDE CL 5.1387 (06/09)

Nautical Term. Just add life. CLIENT GUIDE CL 5.1387 (06/09) Nautical Term RENEWABLE AND CONVERTIBLE TERM LIFE CLIENT GUIDE CL 5.1387 (06/09) Just add life. Create a customized solution for building a solid financial foundation. Benefits of Nautical Term Life Insurance

More information

AN ACT RELATING TO HEALTH INSURANCE; AMENDING A SECTION OF THE NEW MEXICO INSURANCE CODE TO PROVIDE FOR FREEDOM OF CHOICE OF

AN ACT RELATING TO HEALTH INSURANCE; AMENDING A SECTION OF THE NEW MEXICO INSURANCE CODE TO PROVIDE FOR FREEDOM OF CHOICE OF AN ACT RELATING TO HEALTH INSURANCE; AMENDING A SECTION OF THE NEW MEXICO INSURANCE CODE TO PROVIDE FOR FREEDOM OF CHOICE OF HOSPITAL AND PRACTITIONER TO INCLUDE LICENSED PROFESSIONAL MENTAL HEALTH COUNSELORS

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 Loved Ones Every Step of the Way

Protecting Your Loved Ones Every Step of the Way Protecting Your Loved Ones Every Step of the Way Gerber Life Insurance Company Gerber Life Insurance Company, White Plains, NY 10605 5/10/2011 Gerber Life Insurance Company is a financially separate affiliate

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: A sound financial foundation includes income protection

Disability Insurance: A sound financial foundation includes income protection Disability Insurance: A sound financial foundation includes income protection Introduction...1 An important financial safety net...2 Many are not eligible for Social Security or workers compensation benefits...3

More information

Print. Disability Insurance Planning for Professionals. By Lawrence B. Keller and Harry R. Wigler

Print. Disability Insurance Planning for Professionals. By Lawrence B. Keller and Harry R. Wigler Page 1 of 6 Print Disability Insurance Planning for Professionals By Lawrence B. Keller and Harry R. Wigler DECEMBER 2007 - Doctors, lawyers, and other professional clients of CPAs often pay attention

More information

Business Overhead Expense

Business Overhead Expense Business Overhead Expense Insurance Advisor Guide For advisor use only. PLAN CODE 906 PRODUCT TYPE Business protection Sales tip Many students purchase income protection while still studying for their

More information

MetLife Income Guard Compared to Guardian Provider Plus 1400

MetLife Income Guard Compared to Guardian Provider Plus 1400 DISABILITY INSURANCE SM MetLife Income Guard Compared to 1400 MetLife Income Guard is a noncancelable and guaranteed renewable individual disability insurance (IDI) product that offers a variety of competitive

More information

DC Health Professional Licensing Fees

DC Health Professional Licensing Fees Profession Description of Service Fees Acupuncturist Application Fee (original, temporary, or reinstatement) 85 Acupuncturist License Fee 145 Acupuncturist Re-Examination 119 Acupuncturist Paid Inactive

More information

summary of disability income and Business Overhead Expense insurance policies

summary of disability income and Business Overhead Expense insurance policies summary of disability income and Business Overhead Expense insurance policies Disability income insurance can help protect against the unexpected while ensuring your clients future. With DInamic Foundation,

More information

What You should Know. About Buying Life Insurance. Life insurance protects your financial future. It provides

What You should Know. About Buying Life Insurance. Life insurance protects your financial future. It provides Life insurance protects your financial future. It provides the resources your family or business may need to pay immediate and continuing expenses when you die. What You should Know About Buying Life Insurance

More information

Learn why you must have this type secondary, and the basics of what

Learn why you must have this type secondary, and the basics of what Learn why you must have this type secondary, and the basics of what by Ivan M. Kirshner, DDS This written self-instructional program is designated for 1.o hour of CE credit by Farran Media. Participants

More information

Guarantee Standard Issue Program Overview

Guarantee Standard Issue Program Overview Guarantee Standard Issue Program Overview 2 Guarantee Standard Issue Table of contents What is the GSI program? Pg. 3 Program facts and advantages Pg. 5 Selecting coverage under the GSI program Pg. 6 Underwriting

More information

The ProVider Plus Competitive Advantage

The ProVider Plus Competitive Advantage The ProVider Plus Competitive Advantage Here are some noteworthy product features to distinguish Berkshire s ProVider Plus flagship product offering when in competition with These competitive advantages

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

What You Should Know About Buying. Life Insurance

What You Should Know About Buying. Life Insurance What You Should Know About Buying Life Insurance Life insurance is the foundation of financial security for you and your family. It protects your financial resources against the uncertainties of life so

More information

Individual Living Benefits Product Portfolio. Personal income, lifestyle and business protection

Individual Living Benefits Product Portfolio. Personal income, lifestyle and business protection Individual Living Benefits Product Portfolio Personal income, lifestyle and business protection PROFESSIONAL MARKET The Professional Series policy OBJECTIVE n Provides non-cancellable coverage that includes

More information

Mortgage Insurance. Mortgage Insurance that is Custom Built to Meet Your Needs. that is Custom Built to Meet Your Needs. About Industrial Alliance...

Mortgage Insurance. Mortgage Insurance that is Custom Built to Meet Your Needs. that is Custom Built to Meet Your Needs. About Industrial Alliance... Mortgage Insurance that is Custom Built to Meet Your Needs HOME PROTECTION PLAN MORTGAGE INSURANCE About Industrial Alliance... Founded in 1892, Industrial Alliance Insurance and Financial Services Inc.

More information

Protecting your family with insurance: How RBC Royal Bank can help

Protecting your family with insurance: How RBC Royal Bank can help Insurance Protecting your family with insurance: How RBC Royal Bank can help At RBC Royal Bank, we know that you ve worked hard to get here and build a new life. Insurance helps protect what you have from

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

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

Don t let your lifestyle disappear.

Don t let your lifestyle disappear. Don t let your lifestyle disappear. Pensions Protection Investments Income Protection Safeguard your lifestyle with the security of Income Protection by Friends First. www.friendsfirst.ie At Friends First,

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

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review If a serious illness strikes, how will you protect your assets and lifestyle from financial hardship? Table of Contents Page Your

More information

optimizingtheindependent contractorstatus

optimizingtheindependent contractorstatus optimizingtheindependent contractorstatus Who cares more about your financial future than you? The financial distinction between employees and the independent contractor can be summarized this way: Employee:

More information

CommInsure Protection

CommInsure Protection CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Issue date: 11 May 2014 Product Disclosure Statement This Product Disclosure Statement (PDS) is issued by the insurer, The Colonial

More information

Accumulation Builder II SM IUL. Protecting your family, building your future. A better way of life

Accumulation Builder II SM IUL. Protecting your family, building your future. A better way of life Accumulation Builder II SM IUL Protecting your family, building your future. A better way of life When you need protection for your family and a foundation for your future. Protection for Today A permanent

More information

Understanding Insurance

Understanding Insurance Understanding Insurance Preparation Date: 26 November 2007 How to read this document Managing your finances to meet your day to day requirements as well as your long-term goals can be a complex task. There

More information

Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy

Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Effective 25 June 2014, this document updates the Sum m ary of incom e p ro t ect ion d if f erences in sid e an d

More information

Long Term Disability Insurance An employee s guide to enrolling for Disability Insurance

Long Term Disability Insurance An employee s guide to enrolling for Disability Insurance Long Term Disability Insurance An employee s guide to enrolling for Disability Insurance Protect your income from the impact of a disabling illness or injury 26.02.314.1 (9/04) Income protection gives

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

HOME PROTECTION PLAN MORTGAGE INSURANCE. Mortgage Insurance. that is Custom Built to Meet Your Needs

HOME PROTECTION PLAN MORTGAGE INSURANCE. Mortgage Insurance. that is Custom Built to Meet Your Needs HOME PROTECTION PLAN MORTGAGE INSURANCE Mortgage Insurance that is Custom Built to Meet Your Needs Mortgage Insurance that is Custom Built to Meet Your Needs Your mortgage insurance should offer you sufficient

More information

Understanding DI Underwriting

Understanding DI Underwriting DISABILITY INSURANCE Understanding DI Underwriting At MetLife, we believe that disability insurance (DI) can be a core part of many clients financial plans. That s why we are committed to delivering the

More information

How To Get Disability Insurance From Mutual Of Omaha

How To Get Disability Insurance From Mutual Of Omaha 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

We ve got you covered! Short and Long Term Disability from the AVMA GHLIT

We ve got you covered! Short and Long Term Disability from the AVMA GHLIT We ve got you covered! Short and Long Term Disability from the AVMA GHLIT Today s Purpose, Process, Payoff The purpose of today s presentation is to understand why the AVMA GHLIT offers disability insurance

More information

Supplemental Income Protection Program

Supplemental Income Protection Program Supplemental Income Protection Program A Program for Offering Individual Disability Income Insurance to Employees Presented By: Darin Brown Regional Director for Multi Life Disability LIFE DISABILITY INCOME

More information

Long-Term Care Insurance

Long-Term Care Insurance About Assurity Life Assurity Life Insurance Company s origins are rooted in a century-long legacy of providing long-term security to policyholders that has earned generations of customers confidence and

More information

GUARDIAN Underwriting

GUARDIAN Underwriting GUARDIAN Underwriting April 2015 Field Underwriting Guide Disability Income Insurance A guide to help you creatively balance the needs of the client. FOR PRODUCER USE ONLY. NOT FOR USE WITH THE GENERAL

More information

Physician Disability Insurance Guide

Physician Disability Insurance Guide Physician Disability Insurance Guide This guide will educate you about definitions of disability, policy provisions, types of policies, how insurance companies determine the amount of disability coverage

More information

Understanding Insurance

Understanding Insurance Version 4.0 Preparation Date: 2 November 2009 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to insurance. Important

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

Unit 6: Marketing Programs: Putting Our DI Products to Use

Unit 6: Marketing Programs: Putting Our DI Products to Use Unit 6: Marketing Programs: Putting Our DI Products to Use Pre-Class Assignments Read this unit and complete the quiz. Obtain copies of the following Producer Guides and review them carefully: o Retirement

More information

Life Insurance You Don t Have to Die to Use. 8532 QOL REV0615. Policies issued by American General Life Insurance Company (AGL).

Life Insurance You Don t Have to Die to Use. 8532 QOL REV0615. Policies issued by American General Life Insurance Company (AGL). Life Insurance You Don t Have to Die to Use. 8532 QOL REV0615 Policies issued by American General Life Insurance Company (AGL). Quality of Life...Insurance is Changing The Way Americans Think About, Purchase

More information

Income insurance. Protect your income and your lifestyle

Income insurance. Protect your income and your lifestyle Income insurance Protect your income and your lifestyle Your ability to earn an income is likely to be your most valuable asset in life. Insuring your income can give you peace of mind that your family

More information

Accelerated Benefit Riders

Accelerated Benefit Riders Accelerated Benefit Riders Living Benefits From Life Insurance. Policies issued by American General Life Insurance Company Quality of Life Insurance is designed to let you use your life insurance benefits

More information

LifeFund. All your biggest. financial questions. answered in one fund. Now, go live. A living life plan. Term. Life Insurance Policy

LifeFund. All your biggest. financial questions. answered in one fund. Now, go live. A living life plan. Term. Life Insurance Policy All your biggest financial questions answered in one fund. Now, go live. Term LifeFund A living life plan. SM M3400 Allianz Life Insurance Company of North America Term LifeFund Life insurance for the

More information

WHAT YOU SHOULD KNOW. About Buying Life Insurance. Life insurance is financial protection. It provides the

WHAT YOU SHOULD KNOW. About Buying Life Insurance. Life insurance is financial protection. It provides the Life insurance is financial protection. It provides the resources your family may need to pay immediate and continuing expenses after you die. WHAT YOU SHOULD KNOW About Buying Life Insurance There are

More information

NEW MEXICO FINANCIAL INCENTIVES FOR HEALTH PROFESSIONALS

NEW MEXICO FINANCIAL INCENTIVES FOR HEALTH PROFESSIONALS NEW MEXICO FINANCIAL INCENTIVES FOR HEALTH PROFESSIONALS ALL S NOTED BELOW ARE COMPETITIVE WITH NO AWARD GUARANTEE ALLIED HEALTH STUDENT LOAN FOR SERVICE who are accepted by or enrolled at an accredited

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

Insurance. Survivorship Life. Insurance. The Company You Keep

Insurance. Survivorship Life. Insurance. The Company You Keep Insurance Survivorship Life Insurance The Company You Keep Permanent Life Insurance Protection for Two People You ve built a legacy, but who will be the recipients your heirs or the IRS? 1 Now is the time

More information

Helping provide financial security Medicare Supplement Insurance

Helping provide financial security Medicare Supplement Insurance Underwritten by Continental Life Insurance Company of Brentwood, Tennessee Helping provide financial security Medicare Supplement Insurance Basic plan with optional riders Extended basic plan An Aetna

More information

For customers Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more.

For customers Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more. For customers Friends Life Protect+ Income Protection Cover Income Protection Cover It s income protection. And more. It s income protection. And... 2 it addresses a vital need it provides a regular income

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

KEY GUIDE. Financial protection for you and your family

KEY GUIDE. Financial protection for you and your family KEY GUIDE Financial protection for you and your family Protecting what matters most Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that

More information

For customers. Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more.

For customers. Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more. For customers Friends Life Protect+ Income Protection Cover Income Protection Cover It s income protection. And more. It s income protection. And... 2 it addresses a vital need it provides a regular income

More information

Asset-based LTC solutions

Asset-based LTC solutions State Life Care Solutions Asset-based LTC solutions Product overview and training guide Products and financial services provided by The State Life Insurance Company a OneAmerica company For company use

More information

optimizing the independent contractor status

optimizing the independent contractor status optimizing the independent contractor status Who cares more about your financial future than you? The financial distinction between employees and the independent contractor can be summarized this way:

More information