Key Person FTS Failure to Survive insurance is a simplified-issue business-focused term product requiring no exams or labs that can be underwritten and issued in a matter of days. With liberal underwriting standards and unique flexibility, the Key Person FTS coverage provides a flat key person benefit, and can accommodate impaired-risk cases that would typically […]
In the insurance industry, K&R is short for Kidnap & Ransom. That certainly conjures some scary thoughts. I would rather worry about my home or property being damaged by a fire or an earthquake. I don’t want to think about my family members, friends or colleagues being held against their will in some dark room […]
Individuals looking to close on SBA and other business loans know how slow and painful it can be waiting for full underwriting for life insurance to satisfy lender requirements. For those individuals that don’t qualify for accelerated or simplified underwriting domestically, we have a solution. Failure to Survive policies can be approved and put in […]
Disability insurance is an often overlooked, undervalued and misrepresented financial safeguard. Yet, it the greatest resource an income-earner has in protecting one’s economic freedom against the very real threat of not being physically able to make a living due to a short or long-term debilitating illness or injury. Disability insurance is essential to every working […]
Although the stark realities and dangers of the new “normal” brought about by the onslaught of the Coronavirus are ever present, much of the world has reopened to foreign travel and tourism. And with the summer months upon us, this marks a typically busy time for the international travel industry. Family vacations, study-abroad programs, high […]
The most important and fundamental of critical assets to the continuation and financial success of any American business of any size is not in its fiduciary holdings and intellectual properties, nor is it in the more readily tangible equities like manufactured product, real estate, office equipment and machinery. Arguably, a company’s most important assets are […]
For many weeks now, the Vladimir Putin-led Russian army has invaded and held at arms the sovereign nation of Ukraine. By force under attack of bombs, missiles, ground troops and tank battalions, Russia has taken physical control of much of the eastern regions of the country. Daily atrocities and loss of innocent life have been […]
According to World Health Organization estimates, there are over 30,000 diseases of the human body known to modern medicine. Of those classified and analyzed conditions, roughly two-thirds have no known effective treatment. Yet, medicines have evolved greatly over the last several generations, and treatment methods have as equally improved to great effect on the human […]
Without financially protecting one’s paycheck, men and women stand to lose their single most vital source of economic freedom. Regularly-earned income provides for the necessities for one’s lifestyle and for one’s family – it allows for food, shelter, utilities, transportation, education, healthcare as well as the other numerous bills and costs the average American encounters […]
The Third Tier Newly created policy offers up to $25,000 per month of disability benefits payable to age 65. A first of its kind in the High Limit Disability market, this revolutionary plan offers High Limit benefits and is structured as a traditional DI policy. Plans are available for Physicians, Executives, Attorneys, and other white […]