Special Coverage Disability Policies • Overhead Expense • Disability Buyout • Keyperson • Debt Protection
Special coverage disability policies are available for both business and non-business application. Business applications include Overhead Expense insurance to pay a business owner’s overhead during disability, Disability Buyout insurance to fund a disability buy-sell agreement, and Keyperson coverage to compensate an employer for the loss of a key person’s contributions.
Non-business disability insurance may be used to provide non-occupational coverage for individuals in high-risk occupations, and debt protection coverage for mortgage or loan obligations.