DISABILITY
INCOME INSURANCE (non-cancellable)
A total 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.
Disability Income Insurance (Radius®)*
Helps to protect a portion of your income. Substantial savings up to 25% may
be available.
Business Overhead Expense Policy
Helps to protect your practice by paying covered office overhead expenses during
periods of disability.
Buy/Sell Disability
Helps to protect your interest in a partnership, corporation or group-owned
practice.
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 offered through Treloar and Heisel
continue to be competitive and some can guarantee** a level rate structure for specific
periods (10-15-20 & up to 30 years).
Term
Life Insurance
Term Life helps 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,
with greater guarantees** than other permanent life insurance products.
Joint Survivor Insurance (Second-to-Die)
Life insurance benefits may be used towards 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.
PROFESSIONAL
LIABILITY COVERAGE
Provided by the largest writer of malpractice coverage for the dental
community. Best's rating A-. Provided by Medical Protective
BUSINESS OWNERS / WORKERS COMPENSATION COVERAGE
A unique portfolio of insurance protection. Designed by a
panel of dentists specifically for a dental practice. Other coverages
also offered are: Workers Compensation, Employment Practices Liability
and ERISA Bonds. Provided by The Hartford.
*This policy (RadiusŪ) is issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111. This policy has exclusions and limitations. For costs and complete details of coverage, please give us a call or call MassMutual at 1-800-272-2216.
** 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.
