Business Overhead Expense

The business overhead expense policy is designed for small business owners actively engaged in their business on a full‐time basis. The purpose of the policy is to reimburse business owners for overhead expenses while they are disabled in order to keep the business operating.

Issue Ages: 18-60

Occupation Classes: 5A, 5P, 4A, 4P, 3A, 3P, 2A and A

Available Riders: Automatic Additional Benefit Increase Rider, Additional Monthly Benefit Rider, Future Insurability Option Rider, Income Protection Rider, Partial Disability Rider, Professional Replacement Expense Rider

Disability Buy-Sell

Disability Buy-Sell is designed for small business owners to provide funds for the purchase of the insured’s share of ownership in the business in the event that he/she is totally disabled. The policy is primarily designed for partnerships and professional corporations comprised of five or fewer principals. However, we will consider, on a case by case basis, businesses with up to 10 owners with at least a 10% interest in the business; contact your underwriter for details.

Issue Ages: 18-60

Occupation Classes: 5A, 5P, 4A, 4P, 3A, 3P and 2A

Available Riders: Future Insurability Option Rider