Insurance amounts are based on annual income. For business owners carriers will look at net income (revenue minus expenses), and for W-2 employees they will look at total gross income). The best way to determine what your client will actually qualify is to submit personal and business tax returns for review.
Insurance amounts are based on annual income. For business owners carriers will look at net income (revenue minus expenses), and for W-2 employees they will look at total gross income). The best way to determine what your client will actually qualify is to submit personal and business tax returns for review.
Insurance amounts are based on annual income. For business owners carriers will look at net income (revenue minus expenses), and for W-2 employees they will look at total gross income). The best way to determine what your client will actually qualify is to submit personal and business tax returns for review.
Insurance amounts are based on annual income. For business owners carriers will look at net income (revenue minus expenses), and for W-2 employees they will look at total gross income). The best way to determine what your client will actually qualify is to submit personal and business tax returns for review.
This helps us determine baseline benefit need
Please include as much information as possible, including: elimination period, Percentage of covered income, maximum monthly benefit, taxability, covered income, etc.
Example: 60% to $5,000, Taxable Benefits, Base Salary Covered Earnings
Best Practice: Submit complete certificate for full policy analysis
Please include as much information as possible, including: elimination period, benefit period, monthly benefit amount, additional riders, premium amount, etc.
Example: 90 Day Elimination Period, To Age 65 Benefit Period, $5,000 of Monthly Benefit, Residual, 3% COLA, $195 Monthly Premium
Best Practice: Submit complete certificate for full policy analysis
Please include as much information as possible, including: elimination period, benefit period, monthly benefit amount, additional riders, etc.
Best Practice: Submit complete certificate for full policy analysis
Please include as much information as possible, including: elimination period, benefit period, payment type (monthly vs. lumps sum), benefit amount, etc.
Best Practice: Submit complete certificate for full policy analysis
Please include as much information as possible, including: elimination period, benefit period, payment type (monthly vs. lumps sum), benefit amount, etc.
Best Practice: Submit complete certificate for full policy analysis
Please include as much information as possible, including: death benefits, term life period, etc.
Best Practice: Submit complete certificate for full policy analysis