presents Takin’ It With You! A discussion of Disability Insurance renewability provisions and how to use them to help clients who have Group LTD Fortify Insurance Group

Specialists in Income Protection and Disability Insurance for Business Continuation Founded in 2008 Licensed in all US states 100% Brokerage General Agency We are Underwriters & Advocates Who Is Fortify

What Carriers Do You Have Access To?

Can you think of an Insurance contract that is fully Guaranteed? The Most “Guaranteed” Contract - Guaranteed Universal Life -Whole Life -Disability Insurance

Conditionally Renewable Guaranteed Renewable Non-Cancelable/Guaranteed Renewable Types of Disability Insurance Contract Renewability

Group Long Term Disability / Surplus Line – Continued Employment with covered company – Carrier continues to offer coverage to employees of covered company – Company continues to offer coverage to employee – GLTD Term of Insurance typically limited to 1, 2 or 3 years – Premium rates NOT guaranteed Conditionally Renewable

Association / Individual Disability Coverage – Policy is Guaranteed to renew as long as premium is paid on a timely basis – Carrier can increase premium but cannot single out an insured for policy change – Carrier can cancel coverage Guaranteed Renewable

Individual Disability Income – Coverage can ONLY be canceled for failure to pay premium – Coverage can literally outlive the carrier – Coverage goes with you to every job or career you ever engage – Term of Insurance is “to age 65” or “to age 67” – Premium rates fully guaranteed NonCancelable

What if you decide to leave your current company or if the Group LTD coverage is discontinued? I’m all set … I have coverage through work What would you and your family do if you became injured or sick and no longer had your income?

Did you know that during the course of your career, you are three and a half times more likely to be injured and need disability coverage than you are to die and need life insurance? Health Insurance Association of America, 2000 By supplementing your Group LTD coverage with an individual Disability Income policy we can maximize your Income Protection now while providing valuable protection that will go with you to every job you ever engage in the future. Could you live off of 35% of your current income?

Can you live on 42% of your income? Is employer-provided group disability insurance enough? Chart based on $5,000 gross monthly income ($60,000 annually), with 60% Group Long Term Disability program, assuming a 30% tax bracket for Federal, State and FICA.

Protecting Income Is Part of the Plan

What Does Income Protection Provide? Security Comfort Peace of mind

Q & A

Thank You!