The Overhead Expense Plan is a non-cancellable overhead expense disability insurance policy that can provide reimbursement of eligible business overhead expenses during total disability.

The Buy/Sell Plan is ideally suited for owners of privately-held businesses. It’s designed to provide funds to help enable the business or one or more business owners to purchase the shares or ownership interest of a totally disabled shareholder or partner. Some of the advantages of having a Buy/Sell Plan include:

The Keyperson Plan is a disability policy that will provide benefits in the event of a key employee’s total disability. There are two types of Keyperson Plans