We Represent The Finest Disability Carriers

We have carefully picked only those companies with A.M. Best's Secure Ratings, in order to give you and your client the best quality at the lowest possible cost. Our expertise will help you to get the best products from the best carrier.

With our unique approach to the disability income market, you never have to worry that your DI carrier will leave you stranded.

The following is a list of our supported carriers:

The Standard -The Protector + Series

• Own Occupation available to age 66/67 for Physicians and Business Owners
• Business Owner Occ Class Upgrades
• Guaranteed Renewable or Non-cancelable
• Association Business Discount – Multi-Life; Simplified & Guaranteed Issue
• Business Overhead Expense & Buy/Sell Coverage

Principal Financial Group

• Non-Can; Own Occ and Not Working definition of total disability
• Own occ rider & Transitional Own Occupation definitions
• 30% discount for 3 or more lives on list billing
• Multi-Life Guarantee Issue and Simplified Issue with no exams or APSs
• Key Man, Business Overhead Expense & Buy/Sell Coverage.

MetLife-Omni Series

• Great for Guaranteed Standard Issue Cases
• Own Occupation and Transitional Own Occupation definition of total disability
• Long Term Care-Guaranteed Purchase Option rider
• Catastrophic Rider – Additional benefit in the event of a complete, irrecoverable loss
• Business Overhead Expense & Buy/Sell Coverage

 Lloyds of London

• Specialty underwriting of DI with a great track record
• High limits in addition to Non-Can
• Ideal for Music Industry, Sports and other Entertainment Professionals
• More liberal underwriting than traditional carriers

Assurity Life Insurance Company

• Graded Benefit -Substandard DI – Clients employed full time who have on-going health issues
• Guaranteed Renewable – Affordable for the blue/gray collar– Electricians, Mechanics, Plumbers
• Great Product for clients with $50,000 and under incomes
• Critical Illness – Ideal product for self employed, single parents, & stay at home parents
• Mortgage Protection / Business Overhead Coverage

Mutual of Omaha

• Individual Short Term & Long Term Disability coverage
• Great blue/gray collar products
• Mortgage Protection