As a sole proprietor, you are likely the primary income earner at home. Your family will bear the load of your lost income if something happens to you. Being a business owner also means you have a duty to fulfill your contractual obligations to clients.

Life insurance is a contract in which an insurer, in exchange for a premium, guarantees payment to an insured’s beneficiaries when the insured dies. That beneficiary could be your spouse, children, business, business partner or Trust.

Disability coverage provides you with the support you need if you were to become hurt or sick and could not work. Long-term disability insurance can offer years of replacement income, lasting well into your 60s in many cases, while short-term disability helps during a temporary injury or illness.

As business owner the protection of your ability to earn an income, is vital. In most cases, your business is dependent on you being present and capable of fulfilling all your duties both mentally and physically.

Health insurance is a type of insurance coverage that pays for health and medical expenses. Health insurance covers some or all of the costs of routine care, emergency care, and treatment for chronic illnesses. If you are a Sole Proprietor, small business owner or a part of a large corporation, you understand the value of having good health insurance.

Health insurance is of vital importance for essential and nonessential procedures, illnesses, Dental and eye care, accidents, and general peace of mind for the unforeseen medical emergencies we all may encounter at some point in our lives.

Supplements your medical and disability income coverage. It can ease the probable financial impact of certain critical illnesses by helping you pay for some of the expenses that are not covered. It does not replace current medical insurance; rather, it provides a lump-sum payment for certain covered conditions.

Critical illness can be used by business owners, to enhance an employee’s salary package with the company or as an incentive subject to terms and conditions.