H&R Block’s Office Locator Overhaul Designed by Jonathan Heavner Developed by InFusion .
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Transcript of 1 Please contact your local Plus Group office for more information. Go to and click on the office...
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Please contact your local Plus Group office for more information.
Go to www.plusgroupus.com and click on the office locator map to find an
office near you or
call 800/831-1018
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Key Person Disability Coverage
Thomas Petersen, Petersen International Underwriters
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Who is a Key Person
Knock Knock!
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The CEO Take the Case of…… Disney How valuable is the
CEO? Depends on what
they bring to the table!
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The Rainmaker
Take the Case of 20 Lawyer firm
Is there a need for Key person DI?
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The One Person Company Take the Case of……
Cola Company buys Fruit Juice Company
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The Medical Clinic Take the Case of…..
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The Engineer Take the Case of…..
Laser Optics
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The Consultant
Take the Case of Dr. K Financial Backers (3) Staff (3) Other issues:
Previous Heart Attack Age 62
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Why Key Person Coverage?
Stats and Stuff We Often Don’t Realize!
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Body Parts Versus Machinery Parts Machines Break downs
Cost to business $$ Non-operating machine Repair Lost revenue
Body Break Down Cost to business $$
Non-Performing Repair Lost Revenue
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The Two Line Story
Firm’s Revenue
Firm’s Overhead
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The Two Line Story
Firm’s Revenue
Firm’s Overhead
A Disability Strikes!
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Disability Statistics In the U.S., a disabling injury occurs every 1 second, a fatal injury
occurs every 4 minutes.National Safety Council, Injury Facts 2008 Ed.
Three in 10 workers entering the work force today will become disabled before retiring.Social Security Administration, Fact Sheet January 31, 2007
Over 6.8 million workers are receiving Social Security Disability benefits, almost half are under age 50.Social Security Administration, Fact Sheet January 31, 2007
While many people think that disabilities are typically caused by freak accidents, the majority of long-term absences are due to back injuries and illnesses, such as cancer and heart disease. Council for Disability Awareness, Long-Term Disability Claims Review, 2007
In the last 10 minutes, 498 Americans became disabled. National Safety Council, Injury Facts 2008 Ed.
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Disability Statistics An illness or accident will keep 1 in 5 workers out of work for at
least a year before the age of 65.Life and Health Insurance Foundation for Education, November 2005
One in 7 workers can expect to be disabled for five years or more before retirement."Commissioners Disability Table, 1998," Health Insurance Association of America, the New York Times, February 2000
The average long-term disability absence lasts 2.5 years.Commissioner's Individual Disability Table A
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If We Lose our Key Person….. The company will
survive! Really?
That would be detrimental! Santa Barbara CFO
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We Have Life Insurance! We don’t need
Disability Insurance too!
Foreclosures (HUD)
Tax Consequences
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We Have a Buy Sell! Buy Sell Purpose
Partners and Owners
• Packaging a Buy Sell with a Key Person is a great 1 – 2 punch!
Business Overhead?
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What are My Options?
Plan Designs
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Plan Designs Monthly Benefits
Lump Sum Benefit
Income Replacement or Revenue Replacement
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Action Plan for this Economy
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Action Plan Look through current files
Add the words “Key Person” into vocabulary!
Discuss the impact of the business as well as family and self to prospects
Are you prepared to make more sales??
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Please contact your local Plus Group office for more information.
Go to www.plusgroupus.com and click on the office locator map to find an
office near you or
call 800/831-1018