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“We have always been pleased with the breadth and quality of the companies they work with, and seem to be held in high esteem by these companies. Bill understands the products they represent, and their presentations are always professional and to the point. They are always willing to research issues and quickly get back to us with intelligent, thorough responses.”
- Sara Katz, Founder
Herb Pharm, Williams, Oregon

Ask Bill today. 1.888.808.1800

Disability Coverage

The probabilities of being disabled for more than 90 days,                                                prior to age 65 is 7 times more likely than death. However, Less than 30% of the people with life insurance have protection against the loss of their MOST VALUABLE ASSET, the ability to earn a living. Individual (NOT GROUP) Disability Coverage comes in 3 basic packages:
INCOME REPLACEMENT	BUSINESS EXPENSE REIMBURSEMENT	BUY OUT AND SUCCESSION PLANS
Protecting your most valuable asset. In the event of a disability from accident or sickness, an individually owned policy is designed to replace 50-60 % of your income, usually tax-free. Features and benefits are customized to your needs. You own the policy.	In the event of a key person becoming disabled, this policy will reimburse the business for its usual & customary expenses. Items such as rent, equipment, salaries, insurance, and taxes paid by the business.	Similar to Life Insured Buy-Sell agreements, except the insuring clause is total disability. Features such as Lump Sum payment and a variety of “Trigger Points” adapt will with the planning process. Appropriate for partnerships with limited shareholders, A Closed Corporation.
ASK BILL FOR AN ANALYSIS CLICK HERE	ASK BILL TO COMPARE CLICK HERE	ASK BILL TO IMPLEMENT CLICK HERE