Protection you can use while you’re alive.
A serious illness can stop an owner faster than anything else. The plan should work for you, not only for the people you leave behind.
Why It Matters
“Protection you can only use after you’re gone isn’t enough. A plan should help while you’re still here, still working, still responsible for people.”
Rahsaan Harding, Founder & Principal
Traditional protection pays when you die. Living-benefit riders can let you access part of a policy’s death benefit early after a qualifying chronic, critical or terminal illness, while you’re alive to use it.
- Keep paying the household bills while you recover
- Fund a replacement manager so the business keeps moving
- Cover costs your health plan won’t
- Make decisions about the business from strength, not desperation
Time-Off Exposure
What would a few months away cost?
Slide the recovery time and see what’s at stake for you and the business.
Customers who buy because of you, deals only you close, work only you can sign off.
Over 6 months
Payroll, rent and debt don’t pause while you recover. The question is whether the money to bridge this period exists before you need it.
Hypothetical and for education only. Living-benefit riders have specific eligibility triggers, may carry additional cost, reduce the death benefit when used, and vary by carrier and state.
How We Solve It
Protection built around the owner.
Living-benefit protection
Policies with chronic, critical and terminal illness riders, chosen across carriers for how they define and pay qualifying events.
Owner income protection
Disability income coverage designed for owners whose pay comes through the business, not just a salary.
Business overhead protection
Coverage that helps keep rent, payroll and loan payments current while you recover.
Independent by Design
Living-benefit riders differ widely between carriers in what qualifies, and how much is accelerated. As an independent brokerage, we compare across leading, highly rated insurance carriers instead of selling from one shelf.