SPECIAL USES of
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Underwritten by Lloyd's of London

Each year at tax time, Parade Magazine features an article called “What People Earn.” It stimulates readership because people are interested in their income in comparison to others.

The article provides informational bits useful in thinking about the potential customers for disability insurance. The lowest income reported was a Black Jack dealer in Minot, North Dakota who earns $10,000 dollars a year. The highest in this survey was Peyton Manning, quarterback of the Indianapolis Colts at $42,000,000. If we separate the actors, athletes, physicians and attorneys from the list we find the income average of the 80 or so people named in the survey to be $76,072. Actors and Athletes included in the article averaged $17,000,000 in 2004.

This insight into America’s incomes establishes America to be made up of a mighty differential between low and high incomes, but it also establishes that we are an Income Society. We are people who have not learned their ancestral traits necessary in the Hunting and Gathering Society. We have not continued the rules of success in an agricultural society. We are the victims of the Industrial Revolution. We are earners of money with which we buy the components of our life. We are absolutely an Income Society.

Being absolutely dependent on income to live on, to save from, and to create a retirement income is a very fragile position to occupy. Some deterrents to an ever-increasing income stream are the result of man-made problems. People can find answers, to man made problems. The economic interrupters over which people have ABSOLUTELY NO CONTROL are:

DEAD DEATH and LIVING DEATH

And of those two economic deaths, Living Death is the worst, economically according to Soloman S. Huebner, PhD., CLU founder of the American College, for the victim is still here as a continuing consumer without being a producer.

Peyton Manning earns $42,000,000 per year.

Does such an earner need DISABILITY INSURANCE? Yes!

Does he want it? Yes.

Why?

If he owned a $42,000,000 building paying him a profit month after month and year after year would he insure it against loss? Undoubtedly, because it is logical and affordable.

Should a $300,000 per year earner buy disability insurance? Absolutely!

How much?

All he/she can get!

The U.S. Bureau of Labor Statistics recommends a cash flow of 65% of earned income is necessary to prevent falling behind financially.

$300,000 = $25,000 monthly gross at 65% = $16,250

Less possible IDI or Group LTD in force $10,000

Needs Supplemental High Limit Disability $ 6,250

SPECIAL USES:

Loan/Lease Disability Insurance Plan

Some banks demand such insurance as a condition of making the loan, other banks strongly recommend it. With or without any outside influence, consumers would be wise to avail themselves to High Limit Disability Insurance to either service their debt, or to pay off the full obligation, including interest.

If a loan or lease obligator assigns personal disability insurance to the loan institution, it robs the family or business of their cash flow in the event of disability.

The Loan/Lease Disability Plan is issued outside the person or the business disability plans, thus preserving the benefits from such plans for the original intended purpose. The premium for the Loan/Lease Disability Plan may be included as a part of the loan, making it a comfortable added benefit.

The cost is modest. It is simple to implement and there is great flexibility in the plan design. It becomes a custom fit.

� Amount Available – 80% to 100% of the obligation

� Monthly Benefits – 12 months to 84 months

� Lump Sum Benefits or a combination of Monthly & Lump Sum Benefits also
available.

� Residual Disability Benefits – optional, but important and valuable.

This is a brief description of the insurance provided by the plan. The Certificate of Insurance is the complete description of coverage.

For more details & custom quotes, please contact us today.
info@internationalriskmanagement.com
877-211-3654 or 559-294-0316

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INTERNATIONAL SECURITY NEWS BRIEFS:
Please note that we at Sunburst International Risk Management provides the International Security News Briefs as a value-added service to our international clients and visitors of this website. Our International Security News Briefs are updated frequently, in order to provide you with current and reliable news and events as quickly as we can. We have no control over the content of external websites, and links to various external news sources may become inactive at any time. We suggest that you bookmark our website and return frequently to check the current global news posted on our website.

Europe - United Kingdom
Crime 'stable' but robbery rises July 19, 2007
Crime in England and Wales has remained stable during the past year, according to Home Office figures.

East Asia / Pacific - China
Fifth of China goods sub-standard July 4, 2007
Nearly a fifth of goods made and sold in China have been found to be sub-standard, Beijing has revealed. The worst problems were found in canned fruit, dried fish and fruit drinks, a food inspectors' report said.

Sub-Saharan Africa - Nigeria
Scots oil worker held in Nigeria April 1, 2007
A British oil worker is still missing after being kidnapped in Nigeria, the Foreign Office has said.

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Middle East / N. Africa - Israel
Israeli union gripped by general strikes Mar. 21, /2007
Irael's main trade union has launched an open-ended general strike which threatens to bring transport and public services across the country to a halt.

Europe - Russia
55 Cities Could Face Spring Floods Mar. 15, /2007
More than 55 cities and towns across the country could be flooded this spring, according to a forecast released by the Emergency Situations Ministry.

Middle East / N. Africa - Algeria
Threat to Commercial Aircraft in Algeria Mar. 14, /2007
There is information that extremists may be planning to conduct an attack against a commercial aircraft carrying Western workers in Algeria. At this time, there is no additional information available as to the specific carrier or the timing of this attack.

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East Asia / Pacific - Thailand
Army doubts Bangkok attacks likely Mar. 12, 2007
Council for National Security chairman Gen Sonthi Boonyaratkalin Sunday dismissed rumours that southern insurgents plan to launch disturbances in the Thai capital anytime from Tuesday through Thursday.

Sub-Saharan Africa - Kenya
Mombasa Athletic Event Threats Mar. 6, 2007
Recent information emanating from alleged extremist elements suggests the World Cross-Country Championship may be the target of an unspecified terrorist attack. The embassy is also aware of public statements by leaders of Kenya�s Coastal Muslim community threatening to disrupt the Championship if the Government of Kenya does not satisfy various demands

Sub-Saharan Africa - Ethiopia
Tourists 'kidnapped' in Ethiopia Mar. 2, 2007
Addis Ababa, Ethiopia: A group of 15 foreign tourists has been kidnapped in north-east Ethiopia. They include 11 French nationals, at least one Briton and an Italian.

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East Asia / Pacific - Thailand
Muslim insurgency stokes fear in southern Thailand Feb. 26, 2007
PATTANI, Thailand: Some are already calling it war, a brutal Muslim separatist insurgency in southern Thailand that has taken as many as 2,000 lives in three years, with almost- daily bombings, drive-by shootings, arson and beheadings.

American Tourist kills mugger with bare hands Feb. 24, 2007
SAN JOSE, Costa Rica - An American tourist who watched as a U.S. military veteran in his 70s used his bare hands to kill an armed assailant in Costa Rica said she thought the attempted robbery was a joke � until the masked attacker held a gun to her head.

Sub-Saharan Africa - Nigeria
Three Croatians kidnapped in Nigeria Feb. 19, 2007
Port Harcourt, Nigeria: Gunmen kidnapped three Croatian oil workers from a bar in Nigeria's oil city of Port Harcourt.

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for Global Travel Medical, Accident, & Life Insurance

East Asia / Pacific - China
Buddhist beheaded in Thai south Feb. 9, 2007
A 72-year-old Buddhist rice miller was beheaded in Thailand's rebellious Muslim south on Thursday in an apparent retaliation for a bomb attack on a village tea shop owned by Muslims, police said.

Europe - Russia Feb. 5, 2007
Registration Rules Stir Up Confusion
Moscow, Russia: According to a new law that came into effect Jan. 15, foreigners are now required to hand over their registration papers to migration officials -- via their employer or other sponsor -- every time they leave the country and re-register upon subsequent entry into the country.

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Sub-Saharan Africa - Nigeria
Captors release nine Chinese oil workers in Nigeria Feb. 5, 2007
Nigeria, Lagos: Hostage takers in Nigeria released nine Chinese oil-worker captives, officials said on Sunday, amid rising violence in Africa's biggest petroleum producer.

Sub-Saharan Africa - Nigeria
Force no solution for Nigeria's oil delta Feb. 2, 2007
The Nigerian government faces a new challenge from spiralling crime in the oil-producing Niger Delta, but wants to avoid turning Africa's oil heartland into a battleground, Energy Minister Edmund Daukorua said.

Sub-Saharan Africa - Nigeria
Demands made for release of hostages 2/1/07
Manila - Nigerian kidnappers holding 24 Filipinos hostage have made "political demands" that have hampered negotiations to free them, the Philippine foreign department said Thursday.

East Asia / Pacific - Thailand 1/30/07
Two explosions in northern Bangkok
Bangkok - Two explosions occurred early on Tuesday morning along the main road in northern Bangkok. There were no casualties reported in the blasts near the Daily News newspaper and Rama Gardens Hotel Bangkok.

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Contact our experienced Risk Managers today.
info@internationalriskmanagement.com
877-211-3654 or 559-294-0316

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Copyright (c) 2002-2007 by Sunburst International Risk Management.
Warning: All of the pages on this site are protected under U.S. and International copyright laws.
Reproduction by any means or for any purpose, except as specified on certain pages,
is not allowed without the express written permission of the copyright owner.

Sub-Saharan Africa - Nigeria Three Croatians kidnapped in Nigeria Feb. 19, 2007 Port Harcourt, Nigeria: Gunmen kidnapped three Croatian oil workers from a bar in Nigeria's oil city of Port Harcourt.

Sub-Saharan Africa - Nigeria
Three Croatians kidnapped in Nigeria Feb. 19, 2007
Port Harcourt, Nigeria: Gunmen kidnapped three Croatian oil workers from a bar in Nigeria's oil city of Port Harcourt.