Individual Disability: replaces a portion of lost income in the event the insured is sick or hurt and cannot work, or cannot work as effectively as before
Business Overhead Expense: reimburses the insured business owner during a disability for covered business expenses that are incurred in the day to day operation of the business
Key Person: pays the business for financial loss during a key person's disability until recovery or a suitable replacement can be found
Disability Buyout/Buy-Sell: pays to a corporation or co-owner either a lump-sum or installment payments upon disability of an insured owner to provide the necessary funds to buy-out the business interest of the disabled owner
Group: allows employers to offer long term disability, short term disability, life insurance, dental, and vision insurance to their employees while keeping premiums affordable