April 11, 2016

Business Owners

Owning a business is one of the most exhilarating adventures you will ever take. Knowing you don’t really have to answer to anyone but yourself is addicting in a way that few but the entrepreneur will ever experience.


That being said, leaving behind the corporate safety net can be nerve-wracking. You’re likely paying out more for healthcare than ever before. It seems like insurance companies are paying out less and less, leaving you with higher deductibles, higher co-pays, and smaller networks.

Meanwhile, you have coverage to pay everyone but you, personally. Even when you get a little sick, you know you’re going to come out of pocket a little bit. But when something major happens, the astronomical costs have made medical bills the #1 reason for bankruptcy in America.

What if you had coverage that pays YOU when you need it most? We’ve studied the major risks business owners face and create cash-flow into your business if you’re sick or hurt, regardless of any insurance you have now or in the future.

Here are some quick points why other business owners have these programs:

  • The premiums are deductible which lowers your taxes
  • The insurance company we use refunds 100% of your premium for extra retirement if you don’t use the coverage
  • When you (or the key people you choose to cover) have an accident or serious illness, the coverage deposits thousands of dollars a month into the business no matter how long treatment lasts – enabling you to not skip a beat operationally

Also, with the combination of the tax deduction and return of premium, you can anticipate a return on investment higher than any CD or savings account – and that’s if everyone stays well. If you get sick or hurt, your rate of return will be much higher.

Click here for more details on the products we offer.

Click here for Torchmark’s financial profile – they own the underwriter we use: Family Heritage.