A client’s first greatest asset is their ability to earn an income; but an income is more than just a paycheck, it’s the ability to enterprise. When an accident or sickness causes disability and prevents an individual from working the impact to their lifestyle, assets and future can be catastrophic. Which is why the main argument for purchasing insurance coverage is to not only to protect ourselves but also our loved ones; unfortunately all too frequently safeguarding one’s ability to earn an income is low on the list of insurance priorities.

The risk of a loss of “income” comes in many different forms, to list a few examples:

• Breach of Contract
• Loss of a Key Employee
• Loss of Investment Money
• Inability to Pay Business Expenses
• Costly Out of Pocket Medical Expenses
• Underfunded Retirement Savings
• Failure to Attract High-Quality Personnel