We Help Employers Find Appropriate Income Protection Solutions
Outside of their employer-sponsored insurance benefits, people understand the importance of purchasing insurance on their personal assets such as home and car insurance. However, they often overlook protecting the one asset which makes acquiring all other assets possible: the ability to earn income. The effects of a disability can be financially devastating without income protection offered by disability insurance.
Highly compensated employees are particularly at risk of significant financial loss should they lose their ability to earn income during a disability. Most group disability policies are designed to provide basic coverage to the average wage earner and are inadequate in providing enough income to support a highly compensated employee. By making an Individual Disability Insurance (IDI) policy available as an executive benefit, you gain a valuable tool for recruiting and retaining key employees.
We have the experience and expertise to help you find the appropriate income protection solutions for both rank-and-file and highly compensated employees, including:
- Short Term Disability (STD)
- Long Term Disability (LTD)
- Individual Disability Insurance (IDI) for highly compensated employees
- Multi-life Disability
- Individual and Business Overhead
- Buy / Sell