Who say’s you can’t be in business without
leaving home? Not you! You’re the boss – and
the receptionist, the CFO and the head of maintenance, too.
So who pays the bills if you can’t?
ProVider Plus disability income coverage for home-based business owners
provides you the safety net you can count on – so that you can pay
the mortgage…grocery bills…car payments and utilities if you
couldn’t work due to a disabling injury or illness.
With ProVider Plus it’s now possible for home-based business owners
to get even better disability income insurance than most corporations offer
their highest paid executives – non-cancellable, guaranteed renewable to age 65,
own-occupation disability insurance from one of the leading DI insurers
in the country.
Own-occupation coverage is a high-quality insurance product especially
appropriate for business owners like you. With this kind of coverage, previously
not readily available to home-based business owners, you receive benefits
if you can’t perform the “material and substantial” duties
of your own occupation – even if you can work at something other
than your own career. This is a key feature of Berkshire Life’s DI
policy and is hard-to-find elsewhere.
Non-cancellable and guaranteed renewable – which means your policy
stays in force just as long as you pay the premiums -- and premiums are
guaranteed to stay the same until age 65.
How likely is it that one of you may become disabled?
Unfortunately, you are not immune from illness or accidents
simply because you are vital to the success of a particular business.
Consider the statistics on the subject –
The fact is, that in a multi-owner business,
the chances of an owner’s
becoming Disabled for 90 days or more before the age of 65
are startlingly high.
- With 2 owners, both aged 35, there is a 34% chance that one
will become disabled*
- With 3 owners, all aged 35, there is a 47% chance that one
will become disabled*
- Of all 45-year-olds disabled for one year, by the end of five
more years:*
- 19.9% will have died
- 57.5% will still be disabled
*1985 Commissioner Disability Table (Statistics shown are based on data
collected from independent disability carriers and reflect only individuals
with DI policies.)
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