DISABILITY
INCOME INSURANCE (non-cancellable)
A serious disability due to either illness or accident
might completely eliminate your ability to practice. Disability income
insurance is, therefore, essential and should be among your first priorities.
Helps to protect a portion of your income. This policy can provide benefits
at substantial savings up to 25%.
Disability Income Insurance (Radius®)
Disability Income Insurance (Metropolitan Life)
BUSINESS
OVERHEAD
EXPENSE INSURANCE
Helps to protect your practice by paying your covered office overhead expenses
during periods of disability.
Business Overhead Expense
Policy (MassMutual)
Business Overhead Expense (Metropolitan Life)
BUY/SELL
DISABILITY INCOME INSURANCE
Helps to protect your interest in a partnership, corporation or group-owned
practice.
Buy/Sell Disability Income Insurance
(MassMutual)
LIFE
INSURANCE
TERM
LIFE INSURANCE
The protection of your family and assets in the event of your death must
be an important consideration. The policies available through Treloar
and Heisel continue to be competitive and can guarantee** a level rate structure
for specific periods (10-15-20 & up to 30 years).
Term
Life Insurance
Term Life can help protect individuals with debts, family obligations and short,
specified-term financial responsibilities.
PERMANENT
LIFE INSURANCE
Long-term protection, for your family and assets, is a fundamental consideration.
The careful selection, review and update of your permanent life insurance
policy stands as an important component of your overall financial plan.
Universal
Life Insurance
Provides highly-flexible permanent life insurance plan with conservative,
systematic, and tax-deferred cash value component.
Whole Life Insurance
Provides tax-deferred buildup of cash values over the life of the policy,
often with more guarantees** than other permanent life insurance products.
Joint Survivor Insurance (Second-to-Die)
Life insurance benefits may be
used towards payment of estate taxes helping heirs to pay taxes without draining the estate.
LONG-TERM
CARE INSURANCE***
The high cost of extended long term care can diminish your savings rapidly
and, perhaps, force dependence on others. Long Term Care Insurance is
available to you, your spouse, and your family members.
AUTO
/ HOME INSURANCE
A benefit program which enables you to purchase automobile, homeowners
and other comprehensive plans of insurance at low group rates offered
by Liberty Mutual with local service and discounted premiums. Your
group number is 7666. Click
here or call 800-225-8281 for a quote.
* The American Academy
of Physical Medicine and Rehabilitation does not offer insurance products.
** Guarantees are based on the claims paying ability
of the issuer.
*** Rates may vary by state of residence. - Plans availability based on
the state of residence. - Premiums are level at age of entry unless rates
for entire class are raised.
Contact
Us
or call
us at 800-345-6040 for more info.
