Their skill, knowledge and experience are your real profit makers. Without them, the success and growth of your business could be in jeopardy. Key employee insurance is designed to protect your business from the adversities associated with the loss of a key employee, manager or executive. The likelihood is that you or a member of your family will need long-term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities. Long-Term Disability Disability insurance replaces your income should you become disabled and unable to work.
Many people have some form of disability insurance through their employer.
The employers' policy may not be just what your need. In this case, you will probably want to supplement the employer's policy with an individual policy of your own. Benefits are paid in accordance with the provider selected. This plan is offered nationwide wherever EPO networks are available. Our PPO and EPO plans are built around health care networks and a high level of coverage for using network providers.