· Individual-Pay Disability Income
o Protect the owners income should they become disabled
· Qualified Sick Pay
o Protect employee’s income and take a business tax deduction
· Executive Bonus Program
o Reward key employees
· Retirement Plan Contribution Protection
o Protect retirement contribution to an individual retirement account when disabled
· Reimbursement for Business Overhead Expenses
o Cover business expenses during the time of disability
· Coverage for Business Loans
o To cover fixed term obligations
· Disability to Fund Buy-Sell Agreements
o To fund the purchase of totally disabled owner’s interest in business