Business Protection

Key Man Life Insurance

Replacing a key person in an organization is never easy, but key man life insurance coverage provides the monetary help to offset loss in earnings and provide the funds necessary to find, hire, and train a replacement.  With over twenty A rated life insurance companies, we can get even the hardest cases with significant medical problems underwritten and covered.

Disability Coverage

An individual’s ability to earn a living is his or her greatest asset.  Disability Income coverage will provide periodic payments to replace income lost when the person is unable to work as a result of injury or sickness.

Disability policies vary greatly by what coverages they offer and what coverage can be provided.  Our experienced staff has the skills to discuss your needs and provide you with a policy that protects you and your family while meeting your budget.

Business Overhead Expense

If a business owner becomes disabled, this can be devastating to the business unless the proper coverages are in place.  A majority of small businesses could not continue to pay utilities, staff salaries, rent and other expenses if the business owner is not able to continue working.  Business Overhead Expense coverage is designed specifically for this purpose.  It can be added to a Disability Income policy as a rider or written as a standalone policy.

Group Life Insurance

As a business owner, how would you like to provide a much needed benefit to your employees at no cost to your company and increase your employee loyalty and retention? Group Life Insurance is the answer.   A distinct advantage of group life policies is that the underwriting can be abbreviated for large groups allowing some to get coverage that would otherwise be uninsurable.

Our agents are glad to do a free presentation at your business to go over the benefits in detail and enroll those that are interested.

Group Disability

Group disability coverage helps attract and retain quality employees and may be tax deductible to the business.

Disability Income coverage provides periodic payments to replace income lost when the person is unable to work as a result of injury or sickness.

Disability policies vary greatly by what coverages they offer and what coverage can be provided.  Our experienced staff has the skills to discuss your business’s needs and provide you with a policy that protects your staff while meeting your budget.