Dick Nehls     (800) 888-1532

 Your-Income-Shield.com

All rights reserved 2017 - 2019           Calif. License   # 0455702

OUR  SERVICES

Services

Products

  • Personal & Business Disability Income Insurance 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)
     

  • Estate Planning
     

  • Retirement Income Disability 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 Disability Income Insurance
     

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

  • Debt Elimination Disability Income Insurance (Business or Student Loans)
     

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

  • Life insurance for both personal and business 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.

BUSINESS  OWNERS
& PROFESSIONALS

 

  • 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.

OTHERWISE
SELF  EMPLOYED

 

  • 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. 

F

EMPLOYEES
  • 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.

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(800) 888-1532