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Individual Long Term Disability/ Business Overhead
This form is for all Individual Long Term Proposals and all Business Overhead Expense cases.
Please complete the form below to submit your request.
*
= Required Fields
Producer Information
Producer Name:
*
First
Last
Company Name, Broker Dealer, or National Account Affiliation:
*
Address
Street Address
Address Line 2
City
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Armed Forces Americas
Armed Forces Europe
Armed Forces Pacific
State
ZIP Code
Phone:
*
Email:
*
Send proposal to:
Client Information
Name
*
First
Last
Date of Birth
*
Month
1
2
3
4
5
6
7
8
9
10
11
12
Day
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Year
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992
1991
1990
1989
1988
1987
1986
1985
1984
1983
1982
1981
1980
1979
1978
1977
1976
1975
1974
1973
1972
1971
1970
1969
1968
1967
1966
1965
1964
1963
1962
1961
1960
1959
1958
1957
1956
1955
1954
1953
1952
1951
1950
1949
1948
1947
1946
1945
1944
1943
1942
1941
1940
1939
1938
1937
1936
1935
1934
1933
1932
1931
1930
1929
1928
1927
1926
1925
1924
1923
1922
1921
1920
State Lives
*
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Armed Forces Americas
Armed Forces Europe
Armed Forces Pacific
Gender
*
Male
Female
Tobacco Use?
*
Yes
No
Occupational History
Current Occupation
*
Self-Employed, Business Owner, or 1099?
*
Yes
No
Years in Operation
*
% of Ownership
*
Number of full time employees:
*
Type of Business
*
Sole Proprietor
S-Corp
C-Corp
Partnership
LLC
LLP
Sole
If Less Than 1 Full Year in Self Employment:
Former Occupation/Duties
Former Salary
(Past two years)
Duties in Current Position
Duties in Current Position
*
Please include description and % of time, if any manual duties.
Years in Current Position
*
Annual Income
*
(NET Income if Business Owner/Self-Employed/1099)
Bonus / Commissions
(Need two year average)
Stock Options / RSUs
(Need three year average already paid to include)
Unearned Income
(Rental Income, Interest, Dividends, Capital Gains)
Individual Case Design
Requested Benefit Amount
Maximum
Amount
Benefit Amount
Elimination Period
30 Days
60 Days
90 Days
180 Days
365 Days
Benefit Period
6 Months
1 Year
2 Years
5 Years
10 years
To Age 65
To Age 67
To Age 70
Optional Riders
True Own Occupation
Residual/Partial
Cost of Living Adjustment
Catastrophic Benefit
Future Purchase Option
Automatic Increase Option
Retirement Plan Protection
Premium Payor
Employee
Employer
Coverage In Force
(All fields are required)
Is there Group LTD coverage in force?
*
Yes
No
Replacement Percentage
*
Monthly Benefit Cap
*
Elimination Period
*
Benefit Period
*
Taxable Benefits
*
Yes
No
Combo
Combo - % Employer Paid
*
Combo - % Employee Paid
*
Income Covered
*
Salary Only
All Compensation
Is there individual disability coverage in force?
*
Yes
No
Individual DI Carrier
*
Benefit Amount
*
Elimination Period
*
Benefit Period
*
Taxable Benefits
*
Yes
No
Combo
Combo - % Employer Paid
*
Combo - % Employee Paid
*
Business Overhead Expense Case Design
Monthly Expenses
Requested Benefit Amount
Maximum
Amount
Benefit Amount
Elimination Period
30 Days
60 Days
90 Days
Benefit Period
12 Months
18 Months
24 Months
Optional Riders
Residential/Partial
Future Purchase Option
In force BOE Coverage Amount
Additional Information
Medical Complications?
*
Past 5 years. Medications taking? Height & Weight?
Any special notes? Competition? Carrier preference?
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