Andrea Carter

Key Person Insurance is life insurance coverage on a select employee or owner to protect the continuation of the business.

An Executive Bonus Plan (IRC SECTION 162) is an effective method for a business to pay the premiums on life insurance covering selected key employees or a business owner. The premiums are tax deductible by the Employer as a taxable bonus to the Employee.

The Disability Compensation (DC) Division of the Department of Labor and Industrial Relations prepared this brochure to help you understand the Temporary Disability Insurance (TDI). Among other things, the brochure describes benefits, eligibility requirements for receiving benefits, how to file a claim, appeal rights, and other important points relating to the program. For more information, contact your personnel office or call Pacific Guardian Life.

Long Term Disability (LTD) Insurance provides active employees with an income stream if they should become disabled and unable to work. Typically, LTD is meant to begin when short-term disability or temporary disability payments stop.

This renewable term insurance coverage is the most common type of life insurance offered by employers. It provides a way for employers to obtain affordable life insurance for their employees and helps employees to protect their families’ assets.

Is your family protected from the financial consequences should you die prematurely? Voluntary Term Life (VTL) Insurance is a fast and convenient way to help protect your family’s future.