Protect your prosperity

• Retain an independent disability advisor negotiating on your behalf.

• Don’t bypass non-cancellable, guaranteed renewable, or “true” own-occupation benefits.

• Maximize the advantages of underwriting and claim handling advocacy.

• Be aware of expenses and debt payments, not just income loss for disability coverage.

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Protect your business

• Make sure to adequately fund buy-sell agreements for ownership risk.

• Resolve conflicting interests between active and inactive owners in advance.

• Account for costs beyond salary when quantifying potential key employee loss.

• Don’t wait too long to prepare the company for outside or inside buyers.

 

Protect your team

• Recognize and promote the value of individual disability benefits.

• Capture opportunities to carve out key employees for enhanced benefits.

• Understand the differences between individual and group plans.

• Don’t miss real value by assuming all disability contracts are the same.

 

Protect your family

• Retain an independent life insurance advisor negotiating on your behalf.

• Don’t put cost ahead of the value of policy benefits.

• Recognize the taxation advantages of life insurance assets.

• Understand the upsides of policy guarantees.