1. Income protection disability insurance.
• Replaces a portion of your income that is lost due to the inability to work because of a sickness or disability
2. Overhead Expense Disability Insurance. This product protects your other family - your business.
• Pays for some or all of your business costs while you are unable to work due to a sickness or injury. This includes but is not limited to rent, office utilities, employee salaries, and supplies.
• The premium for this coverage is usually tax-deductible*.
3. Business Reducing Term Disability Insurance. This product provides protection for a fixed loan obligation.
• If you secure a business loan to expand your existing practice or to purchase one.
• Provides a direct payment to the institution and is usually less expensive than Overhead Expense Insurance.

*This publication is offered for the purpose of education and information only and is not intended to constitute tax or legal advice. For information on your specific situation, please consult your personal legal or tax advisor.