Disability

All sound financial and risk management plans include a component for disability planning. Many clients need their income to survive and disability insurance is a key part of risk management planning for them.

Most businesses face more specific risks should a disability occur to an owner, partner or key employee. For business owners, any disability that disrupts their business income can affect many aspects of their business. If a key individual is disabled, for even a short period of time, the results can sometimes be devastating to the business.

At Insphere Insurance Solutions®, we partner with The Plus Group Texas to distribute disability products from Assurity Life Insurance Company, The Principal Financial Group®, The Standard Insurance Company, MetLife, and Petersen International Underwriters/Lloyd's of London which provide disability income options that cover both individual policies and specific business-related plans. These plans provide monthly income payments when an individual is disabled. Or, in some cases, lump-sum payment options are available that cover such business-related items such as buy-sell. In addition, there is a policy that covers overhead expenses and even a buy-out policy for businesses operated by partners.

Let Insphere help you calm the financial worries that arise when a disability occurs, or help your business survive when a key individual is disabled.

Contact your local Insphere agent to learn more!

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