Social Media Icons

Visit Us On GooglePlusVisit Us On YoutubeVisit Us On TwitterVisit Us On FacebookVisit Us On LinkedinCheck Our Feed

Insure My Life Right, LLC is an independent insurance agency. We represent multiple insurance companies.  Each person, each family has a different need for their insurance coverage.  Each insurance company has different specialties. Because we represent many carriers, we have more options with b

search

High Income Disability

Your largest asset is your ability to earn a sizeable income.  Many individuals take for granted protecting one’s income.

Problem: Traditional disability insurance carrier’s are not able to meet the income replacement needs of the high income earners in the event of a disability.

Solutioin: We provide high income earners disability insurance that either their current disability insurance carrier cannot offer to protect the higher income amounts.  We offer coverage above and beyond what traditional insurers offer.

DISABILITY COVERAGE INCLUDES:

• Monthly Disability Benefits up to $500,000 per month

• Elimination Periods of 90, 180 and 365 days

• Benefit Periods up to 60 months, and in some cases beyond 60 months

• Lump Sum Benefits exceeding $25,000,000 (25 Million USD)

• Individual or Multi-Life Coverage

• Residual Benefit Rider and COLA available

• Own Occupation Definitions available

Who is this for:

High Income earners

Business owners, business executives, key employees, programmers, sales executives, 

Examples of coverage:

1) An executive made over $2,000,000 per year, but had only $15,000 per month of disability coverage in-force. This represented less than a 10% income replacement ratio. We were able to secure an additional $85,000 per month of disability coverage to better protect the executive’s earnings.

2) A successful web designer made over $300,000 annually. Because of his occupation, and the fact that he worked from home, he was unable to obtain disability coverage from traditional carriers.  We were able to offer an “own occupation” $15,000 per month, followed by a $1 million lump sum.