| Disability |
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Most people have insurance on their homes, their car and other items of value. The unfortunate truth is that many have overlooked protecting what is often your most valuable asset – your ability to generate an income. The same income that allows you to accumulate, and pay for, the other assets you hold dear.
Disability income insurance helps protect a portion of your income and provides a fundamental layer of security for your financial future.
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| We can help offer two different types of Disability Income insurance: |
Fully underwritten
Individual, fully underwritten disability income insurance can be offered to your employees to supplement the long term disability group coverage your company may be currently providing. Typically, group long term disability benefits only pay about half an employee's net monthly income. Employees can purchase an individually owned, supplemental policy to fit their needs and more closely align with their overall income.
Supplemental individual disability income insurance can provide employees with higher levels of income protection at discounted premiums. Coverage is non-cancellable and fully portable. |
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Supplemental coverage helps bridge the gap between current earnings and benefits available through a group long term disability plan. Sometimes you may receive just half a paycheck (after taxes) if you were too sick or injured to work. Is that enough?
| Advantages to Employees |
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Provides a larger monthly benefit, when eligible for benefits |
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No medical underwriting |
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Offered at a discount and fully portable |
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Covers bonus and incentive compensation
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| News and Information |
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| Disibility Overview |
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GAP DI Overview |
Did you know?
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You can choose payments that last your lifetime, the lifetime of you and your spouse (or another person), or a fixed number of years. Ask a Representative about this Income Rider feature. |
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Second Point - Contact us and let us show you How Annuities Work! |
| Our Values |
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You rely on us to help design a comprehensive plan that will serve as the basis for a strong financial future. We take that responsibility seriously. Trust is a valuable commodity and it serves as a pillar in making any relationship work, to that end we adhere to the laws and regulations that govern our business. |
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We strive to act with integrity across all areas of our business and demonstrate a high level of ethical standards in all our practices. |
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| A Practical Approach |
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Seasoned professionals work closely with the best products in the industry to achieve the highest value for our clients. At the center of our planning is a realistic, needs-based approach to your financial strategy. We work closely with you to understand your unique situation and develop a plan to achieve your financial goals. |
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| Pillars |
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Ethics: Every representative is licensed in the state they offer our products in. Secondly, we adhere to state continuing education guidelines which helps us to keep up with the latest industry standards on ethics, solicitation guidelines, and overall state governance. |
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Integrity: As insurance professionals we have a duty to be honest not only within the insurance industry, but with the public we serve. We put the clients insurance and financial needs ahead of the need for a sale. |
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Purpose: Our goal Is a simple one, and that is to help Individuals, Families and Business owners take the next step toward a more secure financial future. |
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Values: We will treat everyone with respect, honesty and integrity. That is at the core of who we are.
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| Financial Storm leaves many wondering – How can I protect what is left? |
The Facts:
Stocks, Bonds and Mutual funds have always been regarded as a means to building a retirement plan for your golden years. Today, the recent financial turmoil has left these same financial instruments shaken, and at the very least severely depleted.
We believe that a solution can be an Annuity (Fixed or Fixed Indexed). We have designed a select lineup of providers to choose from.
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| We provide access to these products and services: |
We offer plans offering your international operations valuable coverage tailored to the local needs and risk profile.
Multi carrier solutions approach, that allows us to offer a variety of insurance solutions help spread risk and control costs.
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