Key Person Protector INSURANCE ADVISOR GUIDE. For advisor use only. PLAN CODE PRODUCT TYPE PURPOSE AND MARKET
|
|
- Osborne McDonald
- 8 years ago
- Views:
Transcription
1 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 for a financial loss to an employer due to the disability of a key person. A key person is an employee whose services are of such a nature that the owner would suffer substantial financial loss due to the employee s total disability. These employees offer their employer knowledge, skills or talent that few others can imitate or duplicate. The industry they work in or the nature of their work may be so specialized that there are few others with the skills needed. Many of these occupations have a component of design or research to them. Typically, the unique skills possessed by a key person are not totally acquired through education or even experience but are attributable in part to their own creativity, talents and interests. People in the following businesses or professions are considered excellent prospects for the Key Person Protector: advertising account executives architects auctioneers biologists research scientists scriptwriters or directors in the motion picture, video, recording or television industry computer industry designers curators of museums curators of large art galleries (not involved with sales) industrial designers interior designers jewellery designers fashion industry designers other designers in the manufacturing industry engineers (industrial, research, civil) physicists columnists who work for a single newspaper (employee basis) publicity agents super-salespersons with an established stable pattern of high sales who contribute to a significant portion of their employer s total revenue.
2 2 RBC INSURANCE RENEWABILITY The Key Person Protector plan offers coverage until the earlier of: the insured s 62nd birthday; or the date the insured ends active full-time employment for any reason other than total disability; or the date the maximum benefit period has been met for any one period of total disability; or the date benefits become payable under the replacement expense benefit provision. The Key Person Protector is a non-cancellable contract. Both premiums and contract provisions are fully guaranteed while the coverage is in place. UNDERWRITING GUIDELINES Occupational classes: 4A, 3A, 2A Minimum monthly benefit: $2,500 ($30,000/12) Maximum monthly benefit: 1/12 of the proposed insured s annual salary to a maximum of $25,000 per month Issue ages, benefit period and elimination periods: Ages Benefit period Elimination periods months 60, 90 days At the time of application, financial documentation is not required for monthly benefits less than $3,000. However, financial documentation may be required at the time of a claim. Please refer to the Underwriting Requirements section at the back of this profile for additional information. DEFINITION OF DISABILITY Insureds are totally disabled if, due to injury or illness, they are unable to perform the important duties of their regular occupation; and they are under the regular and personal care of a physician. POLICY BENEFITS TOTAL DISABILITY BENEFIT In the event that the insured is totally disabled and satisfies the elimination period, the owner receives the benefit payable. Written proof of loss is required. Benefits paid are subject to the limitations and exclusions set out in the policy. PROOF OF LOSS BENEFIT The owner is reimbursed $50 each month for the cost of obtaining the monthly written proof of loss. REPLACEMENT EXPENSE BENEFIT The owner will be reimbursed for 80% of the usual expenses incurred to replace the insured due to the insured s total disability. This benefit is payable six months after the insured has been totally disabled and is paid for reimbursable expenses incurred during the 18 month period from the date disability began or until the replacement benefit limit has been reached, whichever is earlier.
3 KEY PERSON PROTECTOR INSURANCE ADVISOR GUIDE 3 Replacement expenses covered include: the replacement s monthly salary during the first three months the replacement fills the insured s position with the business; employment agency placement fees and executive search organization charges; advertising in newspapers and trade magazines soliciting applicants for the insured s position; travel, food and lodging of candidates for the insured s position; and moving expenses of the replacement and their spouse. At the time of application for coverage, the owner must choose a replacement expense benefit of either one, two, three or four times the monthly benefit. RECURRENT DISABILITY After a period of total disability for which benefits were paid, if the insured becomes totally disabled again from the same or related causes within six months, we will consider it a continuation of the previous disability. ACCUMULATION OF DAYS Periods of total disability from the same or related causes, separated by six months or less, will be accumulated and considered continuous to satisfy the elimination period. WAIVER OF PREMIUM After the insured has been totally disabled for 90 days, we will pay premiums that come due while the insured is totally disabled. We will refund premiums paid during those first 90 days. EXCLUSIONS RBC Insurance will not pay benefits for total disability due to: an act or accident of war, whether declared or undeclared; or normal pregnancy or childbirth, but we will cover disabling complications of either of these. OPTIONAL BENEFITS HEALTH CARE PROFESSION BENEFIT (H1134) The Health Care Profession benefit is mandatory (unless declined for underwriting reasons) to the following health care professionals: medical doctors, dentists, dental surgeons, chiropodists/podiatrists, professional lab technicians, dental hygienists, dental assistants, denture therapists, denturists, denturologists, acupuncturists (MD and non-md), nurses (RNs, RNAs, LPNs, including nursing directors, instructors and nurse practitioners), respiratory therapists, respirologists, massage therapists doing acupuncture, physiotherapists doing acupuncture and paramedics. As a qualified health care professional the insured may be at risk of exposure to HIV or hepatitis B and C. Under this benefit, if the insured meets one of the following conditions, the insured is not required to be under the care of a physician in order to qualify for disability benefits provided they are HIV impaired or hepatitis impaired and due to their impairment: the insured is restricted or prohibited from performing the important duties of the insured s occupation; or the insured s patients refuse treatment from them because they have to disclose to their patients their impairment as required by law or by a written policy of general application of a medical regulatory body or medical licensing body. For the purpose of this rider, your occupation means the occupation or occupations in which the insured is regularly engaged at the time that they become disabled. The premium for the Health Care Profession benefit is presently nil. However, that may be changed in the future; once changed, the premium is locked in for five years.
4 4 RBC INSURANCE OTHER BUSINESS PROTECTION PRODUCTS Business owners should consider how a disability may impact their business. In addition to protecting their business from a loss of a key person, they should consider our portfolio of business products including: Disablity Buy Sell Disability Buy Sell coverage is designed to provide funding for the remaining owner(s) to purchase the business interest from the disabled owner(s). Business Overhead Expense Business Overhead Expense is a reimbursement policy designed to cover fixed office expenses during a period of total or partial disability. Business Loan Protector Business Loan Protector makes funds available to pay outstanding business loans and loan interest when the business owner becomes totally disabled. INCOME PROTECTION PRODUCTS Make sure that your clients have protected their personal income in the event of a disability. We offer a wide range of income protection products that can be tailored to meet your clients needs. LIFESTYLE PROTECTION PRODUCTS Key person protection will protect the business in the event that a key person becomes totally disabled. But what about protecting the insured s lifestyle? Would your client be able to maintain their RSP contributions in the event of total disability? If your client suffers from a catastrophic injury or illness they may incur substantial additional expenses. Lifestyle protection products are the perfect complement to business and income protection coverage and provide for your client s independence, dignity and peace of mind. RETIREMENT PROTECTOR PLAN (945) This benefit helps the insured maintain deposits to a retirement savings program while totally disabled. All benefits are paid directly into a trust account for the benefit of the insured. Issued to age 55, benefits range from $300 to $1,500, but may not exceed 20% of the insured s monthly earned income. CRITICAL ILLNESS RECOVERY PLAN (Available as a separate policy; please refer to the Critical Illness Recovery Plan fact sheet or Insurance Advisor Guide for full details.) Critical illness coverage is an excellent complement to any disability insurance program. While disability income protection insurance seeks to cover ongoing living expenses, critical illness coverage provides lifestyle protection that pays a lump sum benefit if your client is diagnosed and survives one of the insured covered conditions as defined in the policy. There are no rules regarding how benefits may be used seeking medical treatment, securing nursing care, paying down debt it s your client s decision.
5 KEY PERSON PROTECTOR INSURANCE ADVISOR GUIDE 5 UNDERWRITING REQUIREMENTS The company (policyowner) must have been in business for at least three years (for partnerships, all partners must have been associated for at least three years) and have a net worth of at least $50,000. The insured must have been in their present occupation for at least one year and have an annual earned salary of at least $30,000. The total disability benefit cannot exceed 1/12 of the insured s annual salary. Any unusual situation where the underwriting requirements are not clearly met may be referred to underwriting for an opinion or may be submitted on a preliminary basis for an underwriting assessment of the facts. The applicant/key person must have individual disability insurance, group LTD or association coverage in force. Coverage is available in addition to individual disability coverage limits, only if the loss of time coverage in force on the proposed insured does not exceed our issue and participation limits and there is no over insurance under any other disability product. RBC Insurance will not participate in other companies key person coverages. This contract will not be approved if Buy Sell or Business Overhead Expense coverage seems more appropriate. The employer, company or corporation is the policyowner. This is designated on the policy schedule page. Benefits are paid to the policyowner. The Ownership section of the application must be completed in full. The proposed owner or an authorized representative of the business must sign the application and the Key Person supplement form. The policy is not assignable. The key person should not be a sole proprietor and cannot own more than 50% of the business. Husband/wife combinations are not acceptable.
6 6 RBC INSURANCE INELIGIBLE INDUSTRIES/FIRMS New business ventures Real estate (commercial and residential) Construction/development companies Stockbrokers/investment/commodity firms Insurance sales Entertainment industry Retail sales Family-owned business where the relationship to the key person does not meet the arm s length test FAVOURABLE CHARACTERISTICS A POTENTIAL KEY PERSON MIGHT HAVE The key employee is employed in a business separate from the residence. The key employee works on project type work, often on an independent basis. The key employee is employed in work that is innovative, cutting edge or state of the art. The key employee originates or designs processes or products. The skills of the key employee have a direct impact on the day-to-day activities of the rest of the company and the profits. An example of this could be a situation where, without the designer, the manufacturing processes would come to a stop. The key employee is the only one within the company with these skills. The key employee is often the most highly paid employee in the organization other than the owner. The loss of the key employee would result in a considerable job search to hire a replacement. It would not be possible to hire a temporary or replacement worker to fill in for an absent key employee. The key employee might be a recognized authority in their field. UNFAVOURABLE CHARACTERISTICS A POTENTIAL KEY PERSON MIGHT HAVE The key employee is a sole proprietor. The key employee owns more than 50% of the business. The key employee and the employer are not in an arm s length relationship. The key employee works from a home-based business.
7
8 Why Choose RBC Insurance? For decades, RBC Insurance has been meeting the protection needs of Canadians. We are constantly innovating, to keep pace with regulatory change, provide the products that today s markets require and provide advisors with the tools they need to succeed. When it comes to recommending RBC Insurance to your clients, it s important to know that we are backed by one of the most recognized brands in Canada. When you offer an RBC Insurance solution to your clients, you re offering them protection you can trust. For more information, please contact your RBC Insurance Sales Consultant at or visit This Insurance Advisor Guide is a summary only. Actual policy language will prevail. For additional information on the Key Person Protector policy or a copy of our illustration system, please contact your local RBC Insurance sales office. Underwritten by RBC Life Insurance Company / Trademark(s) of Royal Bank of Canada. Used under licence. VPS (05/2014)
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 informationThe 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 informationBusiness 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 informationIndividual 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 informationFor 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 informationPolicy 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 informationGuarantee 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 informationHow 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 informationThe 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 informationDoctors of BC Disability Income Insurance
Doctors of BC Disability Income Insurance Important protection to help safeguard your income should a disability prevent you from working Fulfilling your personal and financial goals depends largely on
More informationInsurance guide. SignatureSuper AMP Life Association and Personal fact sheet. Issued ₁ July ₂₀₁₅
Issued ₁ July ₂₀₁₅ Insurance guide SignatureSuper AMP Life Association and Personal fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document
More informationWhat 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 informationDisability Income Replacement Plan & Business Overhead Expense Plan
Disability Income Replacement Plan & Business Overhead Expense Plan protecting your income Engineers Canada-sponsored Disability Income Replacement coverage and Business Overhead Expense coverage offer
More informationWhat if illness or injury made it impossible for you to work?
This is the best time to protect your future earnings Disability Income Insurance for New Professionals Your earning power is your most valuable asset Your ability to earn an income is your most valuable
More informationFor advisor use only. Wage Loss Replacement Plan. Insurance advisor guide
For advisor use only. Wage Loss Replacement Plan Insurance advisor guide Contents Importance of income protection 1 What is a Wage Loss Replacement Plan (WLRP)? 2 Advantages of a WLRP 2 Eligibility and
More informationInsurance guide. SignatureSuper AMP Life fact sheet. Issued ₁ July ₂₀₁₅
Issued ₁ July ₂₀₁₅ Insurance guide SignatureSuper AMP Life fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document forms part of the
More informationSTANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888
STANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888 INSURED: POLICY NUMBER: BUSINESS PROTECTOR DISABILITY INCOME PROTECTION COVERAGE OUTLINE OF COVERAGE READ YOUR
More informationLong Term DISABILITY HOW TO APPLY
Long Term DISABILITY HOW TO APPLY Complete an application in full, making sure you sign and date it. Mail the application to: Quebec Québec Medical Association 1000 380 Saint-Antoine de la Gauchetière
More informationTable 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 informationBT Protection Plans. Product Disclosure Statement and Policy Document (PDS)
BT Protection Plans Product Disclosure Statement and Policy Document (PDS) Dated 19 May 2014 Who s responsible for BT Protection Plans The Insurer is Westpac Life Insurance Services Limited ABN 31 003
More informationINDIVIDUAL DISABILITY INSURANCE. Individual critical illness insurance AT A GLANCE
INDIVIDUAL DISABILITY INSURANCE Professional Oasis Individual critical illness insurance AT A GLANCE Table of Contents Professional......................................1 Built-in features.................................
More informationDoctors of BC Student Insurance Program
Doctors of BC Student Insurance Program Get a head start on establishing your financial protection plan The Doctors of BC Student Insurance Program has been designed specifically for you. It offers Disability
More informationUniversal Loan Insurance
Creditor Insurance Universal Loan Insurance EXCELLENCE, YOUR LIVING BENEFITS SPECIALIST INVESTED IN YOU. UNIVERSAL LOAN INSURANCE PROTECT YOUR LOANS YOU and Your Needs Buying a property or a new vehicle
More informationTerm life insurance. from Great-West Life. Cost-effective, flexible and convertible coverage
Term life insurance from Great-West Life Cost-effective, flexible and convertible coverage It s about your needs Convert to a longer term If you elect a term 10 life insurance policy, you can convert to
More informationDoctors of BC Physicians Disability Insurance Plan
Doctors of BC Physicians Disability Insurance Plan DI Physicians Disability Insurance (PDI) Designed to protect you and your family by providing a source of monthly income if sickness or injury prevents
More informationAMA. Student Starter Program. Dedicated to serving Alberta s medical profession. Our specialty is you.
AMA Student Starter Program Dedicated to serving Alberta s medical profession. Our specialty is you. Table of contents AMA Disability Insurance plan 4 Who is eligible 4 How much coverage can I get? 4
More informationWestpac Protection Plans
Westpac Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS) Dated 1 July 2014 This SPDS is dated 1 July 2014 and supplements the information contained in the Westpac
More informationSt. Thomas University
St. Thomas University Group Policy Number: G0050234 Plan B: Support Staff Employee Name: Certificate Number: Welcome to Your Group Benefit Program Group Policy Effective Date: September 1, 2010 This Benefit
More informationThe 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 informationWho Is Considered A Key Person
Key Person Disability Insurance Most companies have key employees to which the success and profitability of the firm are directly related. Most businesses would not be prosperous without the knowledge,
More informationLong-Term Disability
THAT WORKS FOR ME. Disability Insurance Choice Portfolio Long-Term Disability Prepared for: Presented by: DI AS AN INCOME PROTECTOR Home Office none 402-351-0000 Mutual of Omaha Insurance Company, Mutual
More informationepsmoore_uuaa-37756-disabilityplan University of Utah Alumni Association 37756/37792/01007/42709 Batch ID: Family ID: 0001183-0000001-0000111 *059101000* 0001184-0000002-0000111 0001185-0000003-0000111
More informationAccumulation Period A period of months that begins on the first day of disability and during which the Elimination period must be satisfied.
Accumulation of Days of Disability In better disability policies, the Elimination Period days do not need to be consecutive. They may be accumulated, assuming each period of disability is not separated
More informationProtector AT A GLANCE
CRITICAL INDIVIDUAL ILLNESS DISABILITY INSURANCE INSURANCE AT A GLANCE Protector AT A GLANCE Table of Contents Table of Contents Protector...1 Built-in Protector features...1...2 Basic policy........................
More informationIncome 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 informationWhy 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 informationEl Paso County. Self-Funded Short Term Disability Plan
El Paso County Self-Funded Short Term Disability Plan Effective January 1, 2003 Restated January 1, 2011 Index INTRODUCTION... 2 ELIGIBILITY... 2 Eligible Classes... 2 Eligibility Date... 2 POLICY EFFECTIVE
More informationPRODUCT FEATURES AND ATTRIBUTES
Attributes Standard Preferred Death Benefit Structure Level Amount Level Amount Level Amount Premiums Payable all, increasing at 10 yr. renewals Premiums Payable all, increasing at 10 yr. renewals Level
More informationLong Term Disability INCOME PROTECTION IF ILLNESS OR INJURY KEEPS YOU FROM WORKING. 1-800-561-9401 www.cdspi.com/ltd
Long Term Disability Canadian Dentists Insurance Program INCOME PROTECTION IF ILLNESS OR INJURY KEEPS YOU FROM WORKING Imagine that you suddenly became seriously ill or injured and couldn t work at all.
More informationDisability Insurance How to Maximize Your Benefits
Disability Insurance How to Maximize Your Benefits Until an individual has created sufficient wealth to provide adequate income for their family in the event of a disability, it is vital to manage the
More informationBowdoin College. Salary Continuation Plan for Administrative Staff
Bowdoin College Salary Continuation Plan for Administrative Staff Benefits under the Short Term Disability Salary Continuation Plan described in the following pages are provided and funded by the Employer.
More informationProtecting your income
RiverSource Income Protection Disability Income Insurance Protecting your income 291091-1 D (2/13) Helping you protect your income and dreams for the future Your ability to earn an income is one of the
More informationTHE PROFESSIONAL AT LIBERTY LIFE Lifestyle Protection
THE PROFESSIONAL AT LIBERTY LIFE Lifestyle Protection Lifestyle protection for the professional The rewards of succeeding in your chosen profession are many. Job satisfaction, a good income and a lifestyle
More informationLong Term Disability Insurance Plan
Long Term Disability Insurance Plan LONG TERM DISABILITY INSURANCE PROGRAM DESIGNED EXCLUSIVELY FOR QMA MEMBERS* Insured by : Eligibility : Period of coverage: Maximum Benefit Period : Maximum Monthly
More informationProVider 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 informationHow 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 information100/44/0/0 0/0/0/100 0/0/0/0 100/68/0/31 100/65/30/70 60/20/5/10. Universal Life Insurance
00/44/0/0 0/0/0/00 0/0/0/0 00/68/0/3 00/65/30/70 60/20/5/0 Universal Life Insurance You have a picture of the way you want your life to go. Now imagine if something happens that not only changes your picture,
More informationDisability Income Insurance
Disability Income Insurance Non-Cancellable and Guaranteed Renewable RR DI Series Disability Income Sample Policy with: Additional Purchase Benefit (APB) Deferred Disability Benefit (DDB) Future Increase
More informationHUB Financial Inc. Universal Life. Carrier Hot Buttons
Universal Life 1. Q. My client likes the idea of Universal Life (UL), but is concerned about surrender charges. Is there a product with no surrender charges? A. a) Empire Life Trilogy, b) Manulife Financial
More informationNova Scotia College of Art & Design
Nova Scotia College of Art & Design Plan Document Number: G0080847 Group Policy Number: G0050232 Plan - All Employees Employee Name: Certificate Number: Welcome to Your Group Benefit Program Plan Document
More informationUnit 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 informationInsurance guide. SignatureSuper MetLife fact sheet. Issued ₁ July ₂₀₁₅
Issued ₁ July ₂₀₁₅ Insurance guide SignatureSuper MetLife fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document forms part of the
More informationAT A GLANCE. Partner Oasis Buy-Out. Individual critical illness insurance
CRITICAL INDIVIDUAL ILLNESS DISABILITY INSURANCE INSURANCE AT A GLANCE Partner Oasis Buy-Out Individual critical illness insurance AT A GLANCE Table of Contents Partner Buy-Out..................................1
More informationZurich Life Risk Zurich Income Protector / Plus
Product Summary Issued 21 December 2015 Zurich Life Risk Zurich / Adviser use only Summary These tables outline the in-built benefits, optional extras and product parameters for Zurich. They show which
More informationWhat would their lives be like without you?
What would their lives be like without you? Will they be able to keep your home? When someone dies, family income may be significantly reduced. Keeping up with expenses may be a challenge. How will your
More informationShort-Term Disability
MUTUAL of OMAHA INSURANCE COMPANY THAT WORKS FOR ME. Disability Insurance Choice Portfolio Short-Term Disability Prepared for: Presented by: DOVETAIL SHORT & LONG TERM DI Home Office none 402-351-0000
More informationNo one likes to think about the possibility of being seriously injured in an accident or becoming too ill to work. But it can happen to any of us.
Insurance Planning One financial aspects of partnership is insurance 1. Disability insurance 2. Life insurance 3. Professional liability insurance Your law firm may have an established insurance package,
More informationGroup Office Overhead Expense Disability Insurance
American College of Surgeons Insurance Program Group Office Overhead Expense Disability Insurance What is Group Office Overhead Expense Disability Insurance? Your most valuable asset is your ability to
More informationWhy 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 informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the Employees of City of Colorado Springs (Employees with less than 5 years of PERA Service) (City Council Members) How This Program Protects You If you suffer
More informationDisability 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 informationKeep 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 informationIssued ₁ July ₂₀₁₅. Insurance Guide. SignatureSuper AIA fact sheet. AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379.
Issued ₁ July ₂₀₁₅ Insurance Guide SignatureSuper AIA fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document forms part of the product
More informationYour guide to participating life insurance SUN PAR PROTECTOR SUN PAR ACCUMULATOR
Your guide to participating life insurance SUN PAR PROTECTOR SUN PAR ACCUMULATOR Participate in your brighter future with Sun Life Financial. Participating life insurance is a powerful tool that protects
More informationLong-Term Disability. Income Insurance. Non-Clerical Education Support Personnel. Plan Designed Specifically For: Effective: 10-1-2012
Effective: 10-1-2012 American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: Non-Clerical Education Support Personnel Why Do You Need Disability Income
More informationTRUSTMARK INSURANCE COMPANY 400 Field Drive, Lake Forest, IL 60045 HOME HEALTH AND LONG TERM CARE BENEFIT RIDER
NOTICE: Benefits paid under this rider may or may not be taxable. Whether or not You or Your beneficiary incur a tax liability when benefits are paid depends on how the IRS interprets applicable portions
More informationDisability Insurance Coverage on a Key Employee
Steilacoom Investments Jay Cruikshank-Insurance Director D. O. Magnus Brandfors President 208 Wilkes Street Steilacoom, WA 98388 253-582-5225 www.steilacoominvestments.com Disability Insurance Coverage
More informationEmployee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Howard University and Howard University Hospital D.B.A. Howard University, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED
More informationBT Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS)
BT Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS) Dated 1 July 2014 This SPDS is dated 1 July 2014 and supplements the information contained in the BT Protection
More informationPolicyholder: 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 informationWhat would their lives be like without you?
What would their lives be like without you? Without you, will they be able to keep your home? When someone dies, family income may be significantly reduced. Keeping up with expenses may be a challenge.
More informationDisability 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 informationHomeProtector Certificate of Insurance - Mortgage life and disability insurance
Page 1 of 5 This Certificate of Insurance ("Certificate") provides important details on your ; please keep this Certificate in a safe place. Subsequent correspondence may refer to this Certificate as the
More informationAXA Group Insurance. Group Income Continuance Insurance Policy. Fonterra Welfare Fund. Important Note
AXA Group Insurance Group Income Continuance Insurance Policy Fonterra Welfare Fund Important Note Cover will not commence under this Policy until all of the following applies: 1. You accept our (the Insurer
More informationBusiness Continuity Cover
Questions & Answers What is? Business Continuity is a form of Personal Accident, Sickness and Keyman cover rolled into one. The cover will be exclusively available through the Austbrokers Network in conjunction
More informationYour representative: PERSONALIZED DISABILITY AND HEALTHCARE PROTECTION
PERSONALIZED DISABILITY AND HEALTHCARE PROTECTION Desjardins Insurance is a subsidiary of Desjardins Group, the sixth largest financial institution in Canada. Desjardins Insurance ranks fifth among life
More informationBenefits under the Short Term Disability Salary Continuation Plan described in the following pages are provided and funded by the Employer.
Colgate University Short Term Disability Salary Continuation Plan For Faculty and Administrators Benefits under the Short Term Disability Salary Continuation Plan described in the following pages are provided
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF CHEROKEE BOARD OF COMMISSIONERS
More informationTMAIT 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 informationLong Term Care and Disability Insurance Exam Study Guide
Long Term Care and Disability Insurance Exam Study Guide This document contains all the questions that will included in the final exam, in the order that they will be asked. When you have studied the course
More informationGroup Long Term Disability. Income Protection. For State IIA Association Members Effective July, 2001. with monthly benefits to $10,000
Group Long Term Disability Income Protection with monthly benefits to $10,000 Since 1964 KELSEY NATIONAL CORPORATION With Your State IIA Endorsed Group Long Term Disability Income Protection You Get These
More informationSTANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888
STANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888 INSURED: POLICY NUMBER: BUSINESS EQUITY PROTECTOR BUSINESS BUY-OUT EXPENSE DISABILITY COVERAGE OUTLINE OF COVERAGE
More informationWhat is Secure Joint Life Plan?
Jubilee Life s Secure Joint Life Plan gives you and your family total financial security and peace of mind while providing life insurance coverage to two lives simultaneously. It provides you a solution
More informationPriority Protection for Platform Investors
Priority Protection for Platform Investors Product Disclosure Statement Version 12, Issued 8 June 2013 aia.com.au Life s better with the right partner Who issues Priority Protection for Platform Investors?
More informationIllinois Insurance Facts Illinois Department of Insurance
Illinois Insurance Facts Illinois Department of Insurance Shopping for Individual Disability Income Insurance Updated January 2010 Note: This information was developed to provide consumers with general
More informationAssurity Life s Critical Illness Insurance. USBI# 1013219 102013 A219-1013 (Rev. 12/13)
Assurity Life s Critical Illness Insurance USBI# 1013219 102013 A219-1013 (Rev. 12/13) Critical Illness Why Critical Illness Insurance What is Critical Illness Insurance Expense of a Heart Attack Portfolio
More informationVOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE
SCOPE OF INSURANCE ELIGIBILITY VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE This Voluntary Accident Insurance Plan provides accident coverage 24 hours a day...365 days a year...worldwide...on or
More informationTerm 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 informationDISABILITY INCOME PROTECTION TotalCareMax Adviser information
Life Disability Income Protection Adviser information DISABILITY INCOME PROTECTION TotalCareMax Adviser information Life. Take charge. sovereign.co.nz HOW SOVEREIGN S DISABILITY INCOME PROTECTION COVER
More informationPRIVATE HEALTH SERVICES PLANS
PRIVATE HEALTH SERVICES PLANS REFERENCE GUIDE PHSP OVERVIEW The use of a private health services plan ( PHSP ) provides a tax-efficient method for business owners to offer supplemental health care coverage
More informationAmerican Fidelity Assurance Company s. Long-Term Disability. Income Insurance. Plan Designed Specifically For: Defined Benefit - Mississippi
American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: Defined - Mississippi Why Do You Need Disability Income Protection? Disability causes nearly
More informationZurich Life Risk Zurich Income Replacement
Product Summary Issued 1 March 2015 Zurich Life Risk Zurich Income Replacement Adviser use only Summary These tables outline the in-built benefits, optional extras and product parameters for Zurich Income
More informationLondon Life term life insurance
Your guide to London Life term life insurance C o v e r a g e t h a t c a n c h a n g e w i t h y o u Term life insurance from London Life London Life term life insurance enables you to buy the protection
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF MULTNOMAH COUNTY OREGON - #094319
More informationLong Term Disability Insurance
Long Term Disability Insurance Massachusetts Board of Higher Education STANDARD INSURANCE COMPANY Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company
More informationLTD (Long Term Disability Plan)
1 LTD (Long Term Disability Plan) 2.1 Eligibility (a) (1) Regular full-time employees shall be covered by the Long Term Disability Plan upon completion of six months active employment with the Employer.
More informationGROUP SHORT TERM DISABILITY INSURANCE PROGRAM State of Michigan - Department of State Police CERTIFICATE OF INSURANCE We certify that the Person whose name appears on the enrollment card attached to this
More informationDisability 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 informationLong-Term Disability Benefits
Long-Term Disability Benefits Summary Plan Description GLD2006 This is a valuable document please keep in a safe place. KPERS 2 Plan Sponsor Kansas Public Employees Retirement System 611 S. Kansas Ave.,
More informationTo 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