COMPREHENSIVE
INTERNATIONAL
 ISABILITY  NSURANCE SERIES --
Income
Replacement Programs
Underwritten by Lloyd's of London
If you were sick or
had an accident and couldn't work,
how long would your employer keep you on the payroll?
How many paychecks could you miss before you used up your savings?
Sound
financial planning begins and ends with income planning. Proper income planning is
impossible without adequate amounts of disability insurance.
Because so many income earners have been denied adequate and reasonable
amounts of disability insurance, we offer a series of disability insurance plans to
address a multitude of needs.
The
following statistics are often forgotten.......Of 100,000 lives which become disabled for 7
days or more -- 98,099 will have recovered after 30 days and 99,864 will have recovered
after 5 years.
When
morbidity is studied, statistics tell us that within a few months it will become apparent
whether or not the disabled person will recover to the point of returning to work.
Here are two concepts which allow our
High-Limit Income Replacement Programs to perform for the professionals...
The Disability is not
expected to be long-term...
Our programs will financially assist at the time when expenses are the greatest
and a high cash-flow is needed - the initial disability period. The supplemental financial
support provided by our High-Limit Disability coverage is critical to the maintenance of
the disabled person's lifestyle.
The Disability
is likely to be long-term...
Again our High Limit Disability Plans play a critical role. During the five year
period in which our plans pay a benefit, the professional has the opportunity to rearrange
his or her assets and liabilities. A person can usually manage on a lesser income if they
adjust their lifestyle and have some time to do so.
When the 5 year benefit period ends on
the High-Limit Disability coverage, the disabled person will
have prepared to make due with the long-term benefits from their primary disability plan.
Cash
within the first 5 years is obviously
the most important factor in designing a disability estate plan!
 The
Executive 400 Disability Insurance Plan
For
Personal disability, Business Overhead Expense, Buy-Sell Funding,
Buy-In Funding, Key
Person coverage, Bank Loan
Indemnification, Contract Agreement are among the most common
uses. 
Click
here for more information.
Physician
& Surgeon High Limit Disability Insurance
For
Supplement to personal disability plans up to 65% of physician's income, Business
Overhead
Expense, Buying into existing
practices, Bank Loans and Key person are some of the typical uses.
Click here for more information
Disability
Insurance Solutions
For
domestic and International Use. Excess disability coverage for high income earners,
occupations not normally
covered by traditional insurance.
Click here for more information
Pilot's Disability
Insurance/The Stoddard Plan
For Commercial
Airline Pilots, corporation Pilots, Helicopter Pilots, Aerial Applicators,
Agricultural
Pilots, Firefighter Pilots, Air Show Pilots.
Click here for more information
Professional Athletes Asset
Protector
For
High Limits and Worldwide Comprehensive Coverage. Covers ALL Family Members,
Residences,
Property, Employee, Activities, Automobiles, Boats, Plans, Pets, Recreations.
Click here for more information.
Professional Athletes High Limit Disability Insurance
For Personal Use and Term Indemnification such as Loss of
Future Earnings, Contract
Completion, College Draft Protection, Loss
of Endorsements, Cost of Agents/Managers.
Click
here for more information
RaceCover High Limit Disability Insurance Worldwide Coverage
For People in the field of
Professional Racing and People whose Avocation is Racing.
Covering Disability, Accidental Death,
Major Medical.
Click
here for more information
The
Links Disability Insurance
For Professional Golfers, Touring Professionals,
Teachings Professionals. Covering 24-hr.
Worldwide Coverage, Accident and
Sickness, Loss of Future Earnings, Contract Completion,
College to Pro Protection, Loss of
Endorsements, Costs of Agents/Managers.
Click
here for more information
StarCover Disability Insurance
For Actors, Directors, producers, Writers,
Cinematographers, Art Directors, Editors,
Musicians, Singers, Dancers, Stunt
Persons, Special Effects, Models, Make-up Artists.
Click
here for more information
Group High-Limit Disability
Now your highly compensated employees can obtain excess high limits for
group disability.
Monthly Benefits can be as high as
$25,000 or more in addition to their current coverage.
This plan offer Guaranteed Issue and
Guaranteed to Issue Programs to qualified groups.
Click here for more information
Disability
Insurance for Special Needs
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...
Click here for more details
For more details & custom quotes,
contact our Risk Managers today.
E-mail:
info@internationalriskmanagement.com
877-211-3654 or
559-294-0316
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