• Personal & Business Loss Of Income Planning

  • Key Person Planning (Identifying and protecting against the loss of abilities of Key Owners, Managers and Employees)

  • Business Continuation (Exit) Planning (Transferring or Disposing of your business at retirement or for any other reason)

  • Retirement Income Loss of Deposits Planning

  • Life Insurance Planning For Business and Family Needs now and for retirement (These Living Benefits don't require you to die to receive  the benefit.)  Using this planning can give you greater flexibility now and in retirement, while providing guarantees not available elsewhere.

  • Individual Long-Term Loss of Income Custom Tailored Contracts

  • Business Overhead Replacement Contracts (To cover office expenses such as salaries, rent and other normal business expenses)

  • Debt Elimination Loss of Income Contracts (Business or Student Loans)

  • Employer (or Professional) High Income Protection (For incomes above the amount most standard insurance carriers are willing to insure)

  • Life insurance for personal, professional and business needs

So far, we have been giving you general information.  Now it is time to focus on your specific needs. 

To be of service to YOU in protecting your income, part of our job is to match you with appropriate products and services.  To do that we need to understand the source of your income and whether you are a business owner, a professional, or are otherwise self-employed.  Or you may be an employee.


We are using the three  employment categories shown below.   Please select the category below that best describes your situation.  Also please notice the specific definitions we are applying to each category.  We recognize these descriptions are general in nature and may not cover all situations.  If you have questions about this step please feel free to call us.  Our number is at the bottom of the page.



  • Your earnings come primarily from your business, after expenses.
  • Your business has a number of employees.

  • It has been established for at least a few years.

  • It has a known and predictable clientele.



  • You may be an independent contractor, an entrepreneur or the owner of a startup.

  • Your income comes primarily from your business, after expenses.

  • You may have few or no employees, in addition to yourself.

  • You may or may not have established a substantial clientele.

  • You may have brought your skills from the corporate world and decided to strike out on your own.

  • You are willing to take considerable risk. 


  • For tax purposes you are an employee and not an independent contractor.

  • Your compensation may be any of the following :  hourly pay, salary, commissions and/or bonuses.


(800) 888-1532