International Health Plans |
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High Limit Disability Coverage Protection Worldwide |
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Holes And Plugs- Excuse us for mentioning it, But your clients disability coverage may have serious financial holes.
The Hole: Looking at the Issue and Participation limits from the traditional markets, reverse discrimination begins to take place as annual incomes approach $150,000 - $200,000. Meaning that an inadequate amount of coverage is provided
by the traditional market.
The Plug: Supplemental personal disability insurance to allow participation with existing coverage up to 65% - 75% of income. Issue limits from PIU of $100,000 per month or more are available. |
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The Executive 400 Plan- Provides for supplemental coverage over and beyond the domestic carriers’ issues and participation limits. Issue limits as high as $200,000 per month or more with participation up to 75% of personal income, 100% of BOE expenses and 100% of Buy Sell obligations.
Other uses include: Key Person Disability, Bank Loan / Lease Indemnification
Severance Agreement, International Employees |
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Disability Solutions- Gray and blue collar workers with personal or business disability needs will find many solutions to their problems of obtaining adequate disability insurances. A person who earns an excellent living by working with their hands is often times limited by traditional carriers as to the amount of disability insurance they can secure. Your problems are over with the Disability Insurance Solutions Plan.
Perfect for: Personal Disability, Business Overhead Expense, Buy Sell Funding, Key Person Disability, Bank Loan / Lease / Contract Indemnification |
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Physicians and Surgeons High Limit Disability Coverage-Physicians and Surgeons know all to well that the traditional disability market is not able to provide adequate amounts of disability insurance. With Physicians and Surgeons High Limit Disability Insurance you can provide supplemental disability coverage for your doctor clients. Monthly benefit amounts as high as $100,000 per month or more.
Perfect for: Personal Disability, Business Overhead Expense, Buy Sell Funding, Key Person Disability, Bank Loan / Lease / Contract Indemnification |
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Dentist High Limit Disability- Dentists know all to well that the traditional disability market is not able to provide adequate amounts of disability insurance. With Dentists High Limit Disability Insurance you can provide supplemental disability coverage for your dentist clients. Monthly benefit amounts as high as $100,000 per month or more.
Perfect for: Personal Disability, Business Overhead Expense, Buy Sell Funding, Key Person Disability, Bank Loan / Lease / Contract Indemnification |
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Entertainment Disability Insurance- People in the entertainment industry are typically denied adequate disability protection by domestic insurance companies. Entertainment Disability Insurance was created to provide badly needed coverage for actors, musicians, stunt persons, producers, directors and people in other occupations of the entertainment industry.
Perfect for: Personal Disability, Loss of Services Indemnification, Contract or Performance Insurance |
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Pilot Disability Insurance- Pilots have always had a difficult time being insured for disability insurance. This is due in part to the nature of the job and the medical qualifications required to maintain their license. The Pilots Disability Insurance Plan was designed to assist in providing an adequate disability estate for pilots.
Available for: Commercial Pilots, Corporate Pilots, Aerial Applicator Pilots, Cargo Pilots, Helicopter Pilots, Firefighting Pilots |
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The Top Hat Program- is an automatic issue plan that allows supplemental disability insurance in conjunction with a recently approved, standard issued, fully underwritten non-cancelable policy. Up to an additional $10,000 per month may be issued provided the total in force coverage does not exceed 65% of personal income. Coverage includes own occupation and options for COLA and Residual Disability.
One Underwriting Process, Two Policies, Two Commissions! |
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Group Disability Program- A plan of supplemental disability insurance which goes way beyond the traditional limits of Group LTD and Individual Disability Wraps. Now you can easily accommodate high limits for group carve outs with available monthly benefits as high as $25,000 per month or more in addition to the underlying coverage.
Perfect for: Executive Groups, Physician Groups, Attorney Groups, CPA Groups Most groups considered |
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401(k) Completion Plan- Interruptions to the contributions of your retirement plan would seriously reduce your retirement income. The greatest hazard to the ongoing contributions would be a disabling accident or sickness. Now you can protect against this risk with the 401(k) Completion Plan. |
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The BOE 0620 Plan- is part of the business series of products from Petersen International Underwriters. When traditional carriers limit the amount of Business Overhead Expense Insurance due occupation or overall maximum limits, the BOE 0620 Plan allows for supplemental coverage to be placed on top of the existing coverage.
This plan may also be used for primary coverage if the traditional market cannot offer any terms due to reasons such as occupation, type of business, medical history, age or place of work. 100% of eligible business expenses can be covered. |
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The Buy/Sell Funding Plan- which is one of the disability products in our Business Disability Series, offers answers to many disability financial planning problems. When traditional disability carriers limit their benefits to $1 - $2 million dollars, or reduce their benefits when a participant reaches a certain age, or will not even consider issuing coverage beyond a certain age, or cover occupations deemed more hazardous . . . our Buy/Sell Funding Plan solves these problems and more.
With issue limits of $20 Million or more, most risks can be considered |
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