Business Owners Toolkit


We’ve grouped resources to provide information and marketing materials by subject.

Underwriting   Application

In-Force/Service Needs   Physicians

Business Owners    Attorneys

Residual Riders    Family Care Benefit

Benefit Increase Rider


View All

Business owners have a lot to protect.

First, there’s personal income. Personal income finances their lives — their homes, their cars, their lifestyles. Next, they need to protect their businesses and make sure they can cover their expenses every month. Many business owners also have employees who rely on the business for their incomes.

A long absence could disrupt it all: personal income, the business and their employees’ livelihoods. The Standard offers business owners three products to help if they become seriously sick or injured and have to take time off work:


Income Protection InsurancePlatinum Advantage individual disability insurance policies replace personal income.
Business Overhead Expense InsuranceBusiness Overhead Protector® reimburses for overhead expenses, helping the business continue to operate.1
Buy/Sell Agreement Funding InsuranceBusiness Equity ProtectorSM helps fund a buy-sell agreement, so business partners can buy out an owner's interest.1

1 Business Overhead Protector and Business Equity Protector aren’t available in Massachusetts, New York or Wyoming.


Relevant Marketing Materials

Help Protect Your Business (Video) 

DI Buy/Sell Funding Insurance Presentation for Business Owners

Income Protection Introduction Flyer for Business Owners 

Platinum Advantage Consumer Brochure 

Platinum Advantage Consumer Brochure (CT, DE, DC, FL, MT, NY, ND, SD) 

CA Platinum Advantage Consumer Brochure 

See a Summary of the Policies

Business Overhead Protector Policy Summary 

Business Overhead Protector Policy Summary Brochure (CA) 

Business Equity ProtectorSM Policy Summary 

Examine the Contract Language

Business Overhead Protector Sample Policy 

Business Overhead Protector Sample Policy (CA) 

Business Equity Protector Sample Policy 

Business Equity Protector Sample Policy (CA) 

Sales Resources for Producers Only

Business Owner Rewards Flyer 

Business Owner Rewards Flyer (NY) 

IDI Premium Discounts Flyer 

Selling to Small-Business Clients Slide Share 

IDI Products for Small Business Owners Presentation

IDI Products for Small Business Owners Presentation (NY)

Looking for more info? Check out these IDI Connect articles

Business Owners Have a Lot to Protect

Help Business Owners Protect Themselves & Their Businesses

3 Ways to Win Big With Business Owners

How to Sell Platinum Advantage to Business Owners