HBI Insurance Services

Disability income can help protect your most valuable asset, your ability to earn a living. When you can't work, it can help you and your family:

• Keep a roof over your head
• Maintain your daily routines
• Rest easy knowing the bills will get paid

Disability income insurance provides a monthly benefit for loss of income because of covered injuries or illnesses. After a predetermined time period, it typically pays a percentage of your income for as long as you're disabled, under your contract.

There is short term and long term disability. You can also address disability needs by considering a critical illness plan, or possibly even a Long Term Care plan.

Take this simple test to learn your probability of becoming disabled, and what it can cost you if you become disabled. Click HERE.

Business Overhead Expense

Business overhead expense is designed to cover business operating expenses if a business' key person becomes disabled by an accident or illness. The coverage includes employee salaries, utilities, rent, and other expenses that are generally accepted as tax deductible.

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