Disability Insurance. Loss of income is the major cause for mortage foreclosure and business failure in the United States. Protecting your income is the anchor of any financial plan.

Plans offered will depend on your occupation and income, Rates are based on the elimination period you desire before the insurance company pays.:90 days is standard but you can chose longer or shorter periods. Two year pay outs thru life time payments are some options of choice. Good plans are guaranteed renewable till age 65 or at the time you retire. Other plans offer the option to convert to long term care plans with out medical questions.The best plans define disability as being unable to preform the duties of your occuptation. Plans can fully tax deductible from a corp or company.

Business Overhead Plans. Designed to pay overhead costs while the business owner is disabled example rent electric power, phones and all other expenses conducted from office or manfacturing faculity. Payment are limited to a one or two year contract. Plans are tax deductible.

Business Buy Sell Plans. (For joint ownership business and private corporations Stock. Funding the sale from one joint owner to another due to disabilty. Plans need to be reviewed as the value increases. It is a effective way for the continuation of that business .when agreement on a sale price is achieved. Plans are fully tax deductible.

Group Disability Plans. Employers can provide short and long term plans. Short term usually 26 weeks. Long Term 2 to 5 years usually a flat amount. Unlike health plans employers do not have to share the cost of these plans.

Critical Care Insurance. This recent introduction of insurance came from Europe to America and is now available. This plan pays a immediate flat amount to the insured for specific diseases. It is not income based. These plans are especially helpful when you live and recover. Plan offers include group plans on a voluntary basis at no cost to employer. Call 813-818-4485 in Illinois and florida