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Blackwell
Insurance Agency
| Disability
Income Through Berkshire |
|
Outstanding features and benefits… |
Designed
for… |
| Executive
Own Occupation Policy |
- Non-cancelable
and guaranteed renewable to age 65 or 67; may be renewable
for lifetime
- Pure
own occupation coverage (length varies by occupation class)
- Residual
optional benefit that doesn’t require loss of income in
the first 6 months of disability
|
Professionals,
small business owners and executives |
| Berkshire
Own Occ or Income Replacement Policies |
- Non-cancelable
and guaranteed renewable to age 65; may be renewed up to
age 70
- Benefit
periods up to 5 years (depending on occupational class)
- Own
occupation coverage (for Berkshire Own Occ policy) for 1
or 2 years, depending on occ class
|
Salaried
employees who are part of a Salary Continuation Program |
| Executive
Income
Replacement
Policy |
- Non-cancelable
and guaranteed renewable to age 65 or 67; may be renewable
for lifetime
- Residual
benefit built in
- Provides
monthly income benefits when disability occurs and loss
of income is suffered
|
Most
executives, small business owners, highly paid salaried employees |
| Business
Overhead Expense
Policy |
- Non-cancelable
business overhead expense protection
- Premiums
are tax-deductible
- Coverage
up to $20,000/month, depending on business expenses
|
Small
businesses with up to 10 employees |
| Professional
Overhead Expense
Policy |
- Non-cancelable
professional overhead expense protection
- Premiums
are tax-deductible
- 80%
of replacement's salary reimbursed
- Covers
salaries of employees who are not members of insured's profession
|
Professional
businesses with up to 10 employees |
| Disability
Buy Out
Policy |
- Provides
funds for disability buy-sell agreements (up to $1,500,000)
- Waiting
periods of 12, 18, or 24 months
- Benefit
periods available in lump sum, 24, 36, or 60 months
- Monthly,
lump sum, or down payment funding methods
|
Disability
buy-out situations
(entity
or cross purchase) |
Berkshire
Life Insurance Company
(Founded
1851, Rated A, Excellent by A.M. Best)
| Berkshire
Life specializes in high quality:
| • Non- Cancellable Guaranteed
Renewable Disablity Income |
| • "Your occupation"
Coverage- up to $15,000 Monthly Income |
| • Business and Professional
Overhead Expense Coverage |
| • Disability Buy-Our Insurance.
Top Commissions |
| • Now writing coverage for
Home-Based Business Owners |
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