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PRODUCTS
Disability Partner gives you a one-stop point of contact for all of your clients' DI needs. You have access to the leading DI carriers, superior service, and the best support and experience in the industry.
Disability Partner is one of Northern California’s largest independent disability Insurance brokerage firms. Our clients include independent insurance agents, brokers, and financial advisors.
Together, we can help your clients’ maintain their standard of living if an unexpected injury or illness should occur during their working years.
Disability Insurance for Everyone
We provide quality disability insurance products for people of all walks of life, from blue collar workers to professionals. Find out what we can do for you and your clients.
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Business Overhead Expense
A Business Overhead Expense (BOE) policy reimburses a business for covered expenses necessary to keep a office running if you incur a disabling accident or illness. Covered expenses include many of the normal expenses of running a small business or professional office such as rent or lease payments, most employee salaries, utilities, business fees, and insurance premiums. In some cases, even the salary of a person hired to perform your duties is covered.
Buy/Sell Plans
Insurance polices to fund buy-sell agreements in the event of a disability.
Business Buyout Disability
Provides income to fund a buy-sell agreement triggered by the disability of a shareholder, partner or co-owner of your business. It is designed to provide funds for the purchase of the insured's ownership interest in a business in the event of a total disability. By its nature, the Business Buyout policy is designed to be used in cases involving partnerships and professional corporations with up to 10 principals. Larger businesses may be given consideration under certain circumstances. If the business owns the policy (entity purchase), the insured's interest in the business is purchased by the entity at the time of total disability. If each business owner owns a policy on the other owners (cross purchase), the non-disabled owners are in a position to buy out a disabled owner. A formal disability buy-sell agreement must be executed for the Business Buyout policy to function. A choice of benefit payment plans are available including, on a monthly basis, in one lump sum, or a combination of lump sum and monthly payments.
Individual Disability Insurance
Non-cancelable and guaranteed Renewable disability insurance products to protect the income of your clients.
Non-Cancellable-Guaranteed Renewable
This product is generally aimed at the executive and professional occupations. If you become disabled because of an accident or illness, a non cancellable disability income insurance policy pays benefits to help cover your loss of income. Payments begin after completion of the policy's elimination period. Your coverage is noncancelable and guaranteed renewable to age 65 as long as the premium is paid on time. Subject to our underwriting requirements, you may choose benefit periods of two years, five years or to age 65. Increased coverage may be available through several optional riders, including an option to increase benefits to keep pace with the cost of living.
Athletes
Disability insurance for professional athletes.
Multi Life/List Bill/Simplified Issue
Individual disability plans that typically come with unisex rates and a discount.
Guarantee Issue Plans
Disability insurance without medical underwriting for groups of 10 or more.
Key Person
Disability insurance to protect owners from the loss of a key employee.
High Excess Limits
Additional disability insurance for individuals who have reached the cap of domestic carriers.
Business Owners
Occupation upgrades (lower rates) and income enhancers (more coverage) provide business owners exceptional coverage
Guaranteed Renewable
This product is generally aimed at the blue collar professions. If you become disabled, the Guaranteed Renewable insurance policy pays benefits to help cover your loss of income. Payments begin after completion of the policy's elimination period. These policies are available to the widest range of occupation classes. Your coverage is guaranteed renewable to age 65 as long as the premium is paid on time. No feature of your policy can be changed, except for the premium, until you are age 65. Increased coverage may be available through several optional riders, including a cost of living rider.
Impaired Risk
Disability insurance for individuals with medical issues or other special risk situations.
Individual/Group Combo
Added disability insurance protection for individuals with group LTD.
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