SEVERANCE AGREEMENTS present a new opportunity for insurance advisors and producers. Merger and acquisition of businesses is a common occurrence. When two businesses are enjoined a group of executives and employees are typically dismissed. After all the theory of the enjoinment is to run two businesses with one overhead and one set of personnel…
In the Buy/Sell Disability Insurance portfolio we have plans to fit the customary Buy/Sell situations and the Buy/Sell situations of Buy-In and Buy-Out.Buy-In AgreementThis type of an agreement is typically between a person who wants to own a part of a firm and an owner who is willing to sell a part of the firm to an acceptable partner… Learn More
The yawing financial chasm created by the disability of a KEY-PERSON is exacerbated by a number of negative forces that impacts the firm’s profitability and its mortality. Obvious is the loss of productivity, creativity, customer/investor/ bank relations and supplier confidence… Learn More
A definition of “Key Person” has evaded standardization over the forty-three year evolution of Business Disability Insurance. It is appropriate that this important coverage not be restricted by a tough, inflexible definition for key persons come in assorted shapes and sizes… Learn More
This headline was created to increase the following of those who clamor for universal health care.The bankruptcy causes are correct, but they were used incorrectly. Illness or injury causing the disablement of an income producer and creating LOSS OF INCOME is the cause… Learn More
Type of AgreementThe Insurable InterestThe Buy-SellSuch an agreement demands that a disabled business owner must sell his/her ownership in a firm to the non-disabled owner(s), and the nondisabled owner(s) must buy at the price established by the agreement… Learn More
Buy-Sell Disability Insurance is a mover and shaker when it comes to generating very big premiums and big commissions.Frequently, the by-product sales or tangential sales generate more commissions than the disability buy-sell plan!The disability buy-sell spotlights the need for Salary Continuation, Key Person, and Bank Loan Disability, as well as an increase in the Buy-Sell Life Insurance, which in a successful company falls to an inadequate level every year… Learn More
HIGH LIMIT ACCIDENT INSURANCEMajor Insurers are withdrawing from the field of Accident Insurance.Our High Limit Accident Plan can be used to fill the void.Bind Accidental Death Coverage instantly until Life Insurance is issued…
Betty Grable, the favorite Pin-Up girl of World War II fame, helped motivate the U.S. and its allies to victory and coaxed Lloyd’s Underwriters into the business of insuring people, and not just ships and cargo. Today we enjoy the ability to insure not only body parts, but the whole body, against the perils of accident, health and death in virtually unlimited amounts…
This year:140,000,000 Americans will travel outside the U.S.150,000,000 Foreign Nationals will travel to the U.S.290,000,000 Prospects for International Medical and Travel Accident Insurance.Spring is the height of the years travel planning by individuals and firms…