Are you planning to buy a practice? Taking on additional employees? Planning for the future? Or simply want some additional peace of mind?
At DBC, we offer a wide range of supplemental coverage by partnering with our specialized team of independent agents. Whether you need to ensure you can compensate lost income, cover your practice’s expenses, protect student loans, or secure life insurance, we can meet your insurance needs in once place, with our legendary customer service. Contact us today for more information about the following coverage options:
Individual Disability Insurance
Protects your personal income if you are injured or too sick to work by providing income replacement helping to meet daily living expenses. Individual Income insurance is one of the most responsible decisions you’ll ever make.
Business Overhead Expense Insurance
Helps ensure your business can meet its routine expenses during a period of owner disability. It provides reimbursement for up to 100% of covered expenses including: Rent, utilities, taxes, loan interest and principle payments (or depreciation). Additionally, it covers up to 50% of the salary of your replacement and the salaries and benefits of non-owner employees.
Business Reducing Term/Business Loan Protection
This coverage helps protect your business by funding up to 100% of any financial obligations (direct to the lender) that require regular payments over a defined term, including: Business start-ups or practice purchase loans, capital improvements or expansion loans, equipment purchase or lease agreements.
Retirement Protection Plus
This coverage helps ensure your ability to save for retirement in the event of a disability. Coverage is available for up to 100% of retirement contributions, including any employee-matching funds.
Student Loan Rider
With this rider, you are able to protect your ability to meet your student loan obligation in the event of total disability.
Term life is an economical way to provide life insurance protection, with no accumulated cash value, for a limited period of pre-determined time. Life insurance serves a variety of purposes in addition to income replacement in the event of premature death; it can also be used for collateral assignment, to fund a buy-sell and for estate planning purposes.
Long Term Care Insurance
Long-term care (LTC) insurance provides you with the means to pay for the assistance you need in the event you become unable to perform routine daily activities. If you develop a chronic illness or cognitive impairment, a long-term care policy can help ensure that you maintain the best possible quality of life, while protecting your wealth.
Ready to Learn More?
Schedule a free consultation today. One of our disability experts will discuss your unique coverage needs and provide you with a customized recommendation.