SO DOES, DISABILITY, DEATH, TAXES, THE LOSS OF KEY EMPLOYEES, OR PARTNERS, RETIREMENT,  A PLANNED BUSINESS SUCCESSION OR A FORCED BUSINESS SALE.

UNFORTUNATELY

We can't predict the order in which "LIFE HAPPENS" to us.

FORTUNATELY

Many shrewd, calculating, business owners, plan ahead for their future.


Pre-emptive planning will insure a smooth transition, regardless of when "LIFE HAPPENS".

Nearly 50 Years Of Insurance Experience

Has taught me the many issues, challenges and risks that 1st. generation business owners like you, must overcome and insure against while building and running their business. 


In his book "Creative Destruction",

Richard N. Foster revealed, that the rate that companies are falling off the S&P 500 has been accelerating since 1958. 


In 1958, the lifespan for a company on the list was roughly 61 years. 

Today, the average lifespan on the S&P 500 is just 18 years.  At that rate, 75% of the companies on the S&P 500 will be replaced by 2027.  


With the advent of the internet and the cloud we have reshaped how, when and where we do business.  Today, many businesses and investors alike are concerning themselves with just what determines the healthy lifespan of a company?


YOURS DOES NOT HAVE TO BE A FORTUNE 500 COMPANY


Whether you are just starting out, have already gotten over that start-up hump; have growing pains and Income tax issues, or are now cruising toward your own retirement, you've got questions, and concerns. 


We've got answers and solutions. 

Michael F. Kimble, Sr.,  Licensed Insurance Professional Since 1972
see linkedIN profile
Michael F. Kimble, Sr., Licensed Insurance Professional Since 1972 see linkedIN profile

BUSINESS OVERHEAD INSURANCE AND EMPLOYER DISABILITY BENEFITS

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BUSINESS OVERHEAD INSURANCE REIMBURSES BUSINESS OVERHEAD EXPENSES

 

Maintaining a cash flow to allow a firm to stay financially afloat while the business owner recovers from a disability is the basis for this type of insurance.


  • Premiums for business overhead expense insurance are tax deductible


  • Benefits come to the firm on a reimbursement of deductible business expenses, thus they remain tax free.

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PERSONAL HIGH LIMIT DISABILITY INSURANCE

 

Most families would be completely unprepared to survive financially when disability strikes the primary household income earner.  


Joint household income earners are often necessary to maintain today's accustomed standard of living. 

Therefore, the untimely disability of any household wage earner could prove devastating.


Every employed person, no matter age, occupation, or heath history, should carry an adequate amount of disability income to maintain that person's customary net income flow after taxes. 


Our goal is to either participate with existing disability policies or provide base coverage in traditionally uninsurable situations. To provide our clients and our producers clients with a minimum disability insurance benefit of at least 65% of income, regardless of the clients income level..

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GROUP GUARANTEE ISSUE SUPPLEMENTAL DISABILITY

 Supplemental high limit coverage is a relatively new benefit that can be offered. 


Coverage can be offered selectively to groups or departments within a company. This offers many possible variations, allowing employers flexibility not readily available in the group disability market.

  • Guarantee issue
  • Starting at 3 lives
  • $100,000+ Monthly Benefit
  • $10,000 Lump Sum
  • Voluntary & Mandatory options

 

MORE BUSINESS OWNER EMPLOYER DISABILITY BENEFITS

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KEY EMPLOYEE DISABILITY IS AN ASSET TO EMPLOYERS

Key employees are an asset to your business.  Key employee Disability Income can insure your business can afford to continue the salary of your disabled key employee in addition to the expense of and hiring and training their temporary replacement without putting a burden on your business.

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BUY/SELL DISABILITY TO INSURE BUY/SELL AGREEMENTS

What if When the time comes to sell or buy your business share, you or your partner are disabled?  Disability Income insurance can make it happen.

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PHYSICIANS AND SURGEONS OWN OCCUPATION DISABILITY

Own Occupation Professional Disability Income Protection puts Doctors and Surgeons at ease

HARD TO FIND SPECIAL DISABILITY INCOME INSURANCE

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PROFESSIONAL ATHLETES DISABILITY INCOME

A Lifetime Of Preparing for the Profession of A Lifetime Should Be Covered.

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DENTISTRY DISABILITY

When starting a dental practice there are many obstacles that need to be overcome.  Loss of income From a Disability should not be one of them.

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ENTERTAINMENT INDUSTRY DISABILITY

This industry is too much of a risk for traditional disability income insurance companies.   Let us find your entertainment industry disability protection.

SPECIALTY INSURANCE PROTECTION

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LOST PILOTS LICENSE

PILOTS LOSS OF LICENSE INSURANCE 

 Provides exceptional benefits at an affordable rate.

  • Monthly Benefits until Medical certificate is reinstated.
  • Benefits may pay up to 60 months.
  • Benefit amounts from $500 up to $25,000 per month.
  • Lump Sum for permanent loss of license.
  • Simplified underwriting.
  • No Exam or proof of income.

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KIDNAP AND RANSOM INSURANCE

EVERY CLIENT TRAVELING SHOULD OWN THIS. 


Imagine the overwhelming feeling of freedom and sheer joy that would be felt upon release of a kidnap victim.  now imagine the terror upon realization that you are without insurance.  your company or your family had to pay the large ransom, purchase specialized phone equipment, hire security protection, hire a negotiator, and pay many more expenses, all of which were only made possible by liquidating all assets.  In addition to this overwhelming amount of debt, in order to rejoin society the kidnap victim may need extensive psychiatric counseling and rehabilitation.

We Are Here To Help

If you have an interest in finding out more about any of our unique Insurance Products, either as a business client, or an insurance Agent, just shoot us an email below.

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