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Replace all of
Your After Tax Income
Unlike traditional Disability products, we have monthly benefits available up to $250,000 plus a lump sum from $250,000 to $2,500,000. If you earn in excess of $200,000 annually, you may be eligible to receive your entire after tax income on a monthly basis if you become disabled.
True “Own Occupation” coverage
In the unfortunate instance of disability, you need compensation for your inability to do your job, not just any job. While traditional products may only pay you if you are completely unable to perform any job, our unique, high limit products are based on what you do best, whether you are a business person, doctor, attorney, athlete, coach or performing artist.
Custom Product Design
Through direct relationships with provider companies, Critical Illness
Insurance Advisors is able to design an income and lump sum plans customized for each individual need requiring our high limit disability product.
“Traditional” Income Protection
We offer traditional products with monthly benefits ranging from $1,000 to $15,000.
Disability Income Product Comparison.
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CATEGORY
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HIGH
LIMIT D.I.
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TRADITIONAL
D.I.
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Range
of monthly benefits
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$20,000 -
$250,000
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$0
- $15,000
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Lump sum payment
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$250,000 - $2,500,000
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None
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Definition of disability
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Own Occupation
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Varies
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Benefits after age 60
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Level
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Reduced
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Income definition
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Salary and bonus
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Salary |
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Program
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Customized per case
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Standard Offering |
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Occupations
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Definitive
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General |
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Objective
Client Focused Personal Advice
Critical Illness Insurance Advisors is an
independent, nationally recognized, brokerage
firm that specializes exclusively in critical
illness insurance, disability insurance,
consulting and sales. CIIA's client list
includes the National Football League Coaches
Association, Executive Boards, Investment
Bankers, Brokers and Traders, Law Enforcement
Professionals, Attorneys, Surgeons, Medical
Practices, Firefighters and individual consumers
in several states.
Bringing disability and critical illness
insurance to you is our mission. When you speak
with us, you are talking to nationally
recognized specialists, whom you can trust to
understand your personal and professional needs.
You will receive a personal recommendation that
is tailored for your unique situation.
The national network of CIIA affiliates includes
seasoned industry professionals who have a
wealth of experience and knowledge in insurance
and investment planning. Our affiliates hold
industry credentials unmatched in the
marketplace.
We work for you; you are our client, not the
insurance company. We offer objective client
focused advice. Often our recommendations
dovetail with specialty disability products.
Provider Companies:
ACE American Insurance Company AIG AFLAC Assurity Berkshire EMC National Travelers Lloyd’s of London Mass Mutual Metropolitan Mutual of Omaha Trustmark Protective Life Trans America Trustmark Union Central UNUM
CRITICAL
ILLNESS INSURANCE ADVISORS
THE
CARRIAGE HOUSE
42
CATHARINE STREET
POUGHKEEPSIE,
NY 12601
(845)
559-9354
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