Currently, one in five Americans is expected to experience a long-term disability during their working years1 and many such disabilities are expected to last not weeks, not months, but years.2
You have worked hard to accomplish all you have now. What would happen to your business and your lifestyle if you could not work for a long time? Could you manage financially, take care of your business, pay for your business overhead, taxes, employee salaries, your mortgage or rent, your loans, and all the costs of daily living?
The Protector SeriesSM is designed to protect what matters most to you and your business
The Protector+SM* individual disability income insurance is designed to shield you from financial hardship in the event a long-term disability prevents you from earning your usual income. This is valuable protection which provides monthly cash benefits you can use to help pay bills while you are disabled.
The Business ProtectorSM is designed for professionals and small business owners and provides reimbursement for business overhead expenses such as mortgage interest or lease payments, employee wages, utilities and business insurance premiums. Even the salary of a person hired to perform your duties while you are disabled may be covered by this policy.
If you share ownership with business partners, The Business Equity ProtectorSM provides funds for the purchase of your ownership interest in the event you are totally disabled. This product ensures you are paid what you are entitled to under your business buy-sell agreement, while allowing other owners to carry on with the business of doing business.
Special Benefits for Business Owners
As a business owner you may be eligible for special privileges applicable to each of the products in The Protector Series. Ask about The Business Owner UpgradeSM 3 and The Earned Income EnhancerSM 4.
Find out more
Contact The Standard today at . We will be happy to help you.
*The ProtectorSM in California.
1985 Commissioners Individual Disability Table A.
Transactions, Society of Actuaries, 1981 Reports.
The Business Owner Upgrade is not available to medical and dental occupations, veterinarians, podiatrists, chiropractors and some other occupations. Please contact your insurance representative or for more information.
The Earned Income Enhancer may not be available under certain circumstances. Please contact your insurance representative or for more information.
