Disability Income (Business)
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
Sales Tools
Audience | Document | Updated | Link |
---|---|---|---|
Producer Use Only | Forms | 04/24/2024 | Click Here |
Producer Use Only | Multi-Carrier Underwriting Guide | 04/05/2024 | Click Here |
Consumer Use | “Perception is not reality” Consumer Video | 12/15/2023 | Click Here |
Consumer Use | “Disabled? Me? Never!” Consumer Video | 12/15/2023 | Click Here |
Product Resources
Audience | Document | Updated | Form Number | Link |
---|---|---|---|---|
Producer Use Only | Express DI Underwriting Criteria Producer Flyer | 12/15/2023 | DI1982 | Click Here |
Producer Use Only | Product Portfolio | 12/15/2023 | DI1900RC | Click Here |
Producer Use Only | Disability Buy-Sell Producer Guide | 12/15/2023 | SD8001 | Click Here |
Producer Use Only | Business Overhead Expense Producer Guide | 12/15/2023 | SD8000 | Click Here |
Consumer Use | “A Tale of Two Incomes” Consumer Flyer | 12/15/2023 | DI1910RC | Click Here |
Consumer Use | “Savings and Disability” Consumer Flyer | 12/15/2023 | DI1949RC | Click Here |
Consumer Use | “Protect your future income” Consumer Flyer | 12/15/2023 | DI1979 | Click Here |
Consumer Use | “Understanding the Disability Income Insurance Gap” Consumer Flyer | 12/15/2023 | DI2622 | Click Here |
Consumer Use | “Income Protection Realities” Consumer Flyer | 12/15/2023 | DI1947RC | Click Here |
Consumer Use | DI Claims Consumer Flyer | 12/15/2023 | DI1946 | Click Here |
Consumer Use | “Do you know the odds?” Consumer Flyer | 12/15/2023 | DI95032 | Click Here |
Consumer Use | “Chances are, you have insurance on your life” Consumer Brochure | 12/15/2023 | DI1971 | Click Here |
Consumer Use | “Disability facts that may surprise you” Consumer Brochure | 12/15/2023 | DI0058 | Click Here |
Consumer Use | “Disabled? Me? Never!” Consumer Brochure | 12/15/2023 | DI1940 | Click Here |
Dedicated Team
2024 fmiAgent Point Awards
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