Accident, Disability Insurance

Accident, Disability Insurance

Accident

TBGFSC has access to Accident plans that pay a direct-to-you cash benefitthat can help you when you are temporarily unable to work due to an accident. The cash benefit is for you to use as you see fit. Pay your bills, your mortgage, or protect your savings until you are able to get back on your feet.

Accidents can unexpectedly prevent you from earning a living. Accident plans provide you additional financial protection when you need it. Bills can stack up following a serious accident. TBGFSC offers a plan that lets you choose a lump-sum benefit amount, from $5,000 to $25,000 per insured per year, to cover expenses outside of your normal medical coverage. Remember, your benefit check is just that — yours.

You’ll have financial assistance to help with your expenses…and to help protect what you have worked so hard to obtain. The only thing worse than being disabled, is not being able to afford it.

Disibility

All sound financial and risk management plans include a component for disability planning. Many clients need their income to survive and disability insurance is a key part of risk management planning for them.   Most businesses face more specific risks should a disability occur to an owner, partner or key employee. For business owners, any disability that disrupts their business income can affect many aspects of their business. If a key individual is disabled, for even a short period of time, the results can sometimes be devastating to the business.

At TBGFSC we partner with an exclusive company to distribute disability products from Assurity Life Insurance Company, The Principal Financial Group®, The Standard Insurance Company, MetLife, and Petersen International Underwriters/Lloyd's of London which provide disability income options that cover both individual policies and specific business-related plans.

These plans provide monthly income payments when an individual is disabled.  Or, in some cases, lump-sum payment options are available that cover such business-related items such as buy-sell. In addition, there is a policy that covers overhead expenses and even a buy-out policy for businesses operated by partners.

Let us help you calm the financial worries that arise when a disability occurs, or help your business survive when a key individual is disabled.