DISABILITY INSURANCE–

 

1.  Replaces part of income if total disabled

 

2.  Premium depends on Profession

 

3.  Coverage for 2 yr., 5 yr. Or to age 65

 

4. Coverage for OWN OCCUPATION

 

LONG TERM CARE INS.--

 

1. Covers if in Nursing Home

 

2. Covers if staying at home

 

3. Benefits could be tax free

 

4. Cost of living benefit available

 

 

HEALTH INS.

 

1. Coverage for individual or family

 

2. Options: Doctor’s office co-pay

 

Prescription drug Card

 

High Deductible

 

HSA Option

 

( THIS OFFICE CAN HELP WITH CLAIMS)

 

MEDICARE SUPPLEMENT

 

1. Choice of many plans

 

2. Guaranteed Acceptance at age 65

 

3. Pays on bills Part A & B Medicare does not

 

Individual Life

 

WHOLE LIFE–

 

1. Builds cash value during years you can borrow from

 

2..Insurance grows every year

 

3. Tax deferred growth

 

4. Tax free withdrawals

 

5. Some plans require NO PHYSICAL EXAMS

 

 TERM LIFE–

 

Choice of:

 

1. Level 10 year term-premium never changes during 10 years!!

 

2. Level 15 year term-premium never changes during 15 years!!

 

3. Level 20 year term-premium never changes during 20 years!!

 

4. Level 30 year term-premium never changes during 30 years!!

 

( ALL PLANS HAVE 100% MONEY BACK OPTION AT END OF PERIOD)

 

5. Lifetime term–Premium and insurance GUARANTEED to Age 121

 

( can add  LONG TERM CARE OPTION to plan)

 

 ACCIDENTAL DEATH–

 

1. Coverage up to $300,000

 

2. Coverage guaranteed to age 75

 

3. 100% money back option @ age 70

 

4. NO health questions

 

5. Premiums never go up

 

6. Coverage for many JOB related accidents- including fireman and Police

 

Business Plans

 

Business Plans

Friday, 30 September 2011 00:25 | Written by Administrator |  |  | 

Health Insurance

Group Health

Salary Continuation ( Disability )

Group Long term Care

Disability Buy-Sell Arrangement

 

 

Life Insurance

Life Insurance Buy-Sell Arrangement (with your Attorney)

Equity

Cross Purchase

Key Person Coverage

Profit Sharing Plans and Ideas