Disability Insurance… do I really need it?
If you own your own Business or your Employer doesn’t offer a disability plan, you may want to look at what your options are if you are disabled… where would the income come from?
We offer a wide range of disability insurance coverage designed to meet a variety of personal and business needs through many different Insurance Companies.
Depending on what you choose to be covered for, disability covers both Injury and Illness. You can have both covered under one policy for convenience. It pays on a monthly basis to replace your income.
To find out more and what type of policy would suit you, please call us today!
For Business Owners and Partners:
Disability Buy/Sell Insurance
If the buy sell agreement you have with your partners or shareholders only offers limited protection, you may want to consider disability buy sell insurance.
For more information on a Disability Buy/Sell Insurance plan, call us today!
Business Overhead Expense (BOE) Disability Plans
If you’re a Business owner, you may want to consider a Business Overhead Expense disability plan.
The type of expenses that are typically covered:
- Rental, lease or depreciation of office equipment
- Equipment maintenance
- Employees’ salaries and payroll taxes
- Interest payments on some business debts
- Postage and stationery
- Subscriptions, Professional fees and accounting fees
- Insurance premiums for Liability, employee medical benefits and WCB
- Taxes on property for business location
To find out more specific details and what type of policy would suit you and your business, please call us today!