Long-Term Care, Disability and Annuity Insurance

Prepare for the unexpected.

While the business disruption of losing one of your top-tier workers to injury or illness is difficult enough on its own, standard disability insurance can leave a compensation gap for your high earners, undermining the welfare of your business and leaving your affected executive out in the cold.Bonus compensation and base salary above a certain maximum aren’t covered by regular disability benefits, leaving your valuable employees to contend with a disability and an income gap concurrently. What's more, disability benefits can be subject to federal, state and local taxes. With the right arrangements, however, you can make sure your highest-paid professionals have the coverage they need.High limit disability insurance can protect your businesses and those elite executives to supplement the benefits under a group disability policy. For a business, high limit disability insurance can be purchased on a key executive or used in conjunction with a buy-sell partnership agreement to help protect and plan for the future of the business in the event of a disability. It offers financial protection in the event of short-term or career-ending injury or illness, and it can be used to protect your future earning potential as well as the non-guaranteed portion of a current employment contract. Regardless of the severity of the situation, disability income protection can safeguard your organization and the employees who have given it their best, day after day.Our proprietary operating platform lets you implement disability income benefits for high earners with little impact on corporate HR through: Increased coverage maximums Protected bonus compensation Tax-free benefits Choosing the appropriate coverage is an important decision. Your needs will vary depending on your profession, your goals and other circumstances unique to your situation. NFP can help you determine which coverage best suits your needs.

There is no one-size-fits-all approach to your personal risk.

No matter what your coverage requirements are, we have the technical expertise and knowledge to find better ways to insure you and answer your questions with facts. Our insurance solutions, backed by the very best insurance underwriters, include coverage and protection for: Homeowners Automobiles Valuables Watercraft Umbrella/Excess Liability Flood Insurance MotorcyclesRely on Expert AdviceAs you work through your risks, an advisor partner is a necessity. We’ll work together to create a personal insurance policy that meets your needs. Our experts are dedicated to delivering excellent service with innovative solutions.Our team will help you build a personal insurance program that takes your current situation and insurance needs into account, and we will ensure your program evolves as your life changes. We can help you walk through your goals and plans for the future. Your life may be complicated but your approach to protecting what matters most shouldn’t be.

Stay worry-free during your relaxation.

Planning a trip always comes with a certain degree of uncertainty. Whether a family member falls ill before you get on the plane or the hotel claims it didn’t receive payment for your prepaid reservation, your dream vacation can quickly become a nightmare.Travel insurance provides travelers with peace of mind. It protects them and their investment should a trip get canceled, delayed or interrupted because of a medical emergency, reservation issue, rental car damage or lost, stolen or damaged baggage.Travel insurance is available for all different types of travelers. There are options for those seeking a quiet weekend getaway within the country or spending months overseas. Travel insurance costs vary depending on your age, the length of trip, the cost of local healthcare, and additions, like 24-hour assistance coverage for your rental car.Before you travel, it’s also important to familiarize yourself with your health or auto insurance policies. Some of your policies may already cover medical or rental car issues, so travel insurance isn’t needed.Travel insurance can provide you and your family with worldwide travel protection services for individual trips or unlimited trips on an annual policy. Coverages available under travel policies include trip delay, trip interruption and baggage delay, as well as emergency medical transportation.Contact us today to learn how our personal insurance specialists can provide the appropriate coverage based on your specific needs.