Why buy High Limit Disability Insurance?

Your career as a physician is a direct result of hard work and a substantial

investment of time and money. Doesn’t it make sense to fully protect it?

AVAILABLE FOR:

Medical Professionals Including:

Physicians

Surgeons

Psychiatrists

Optometrists

Dentists

Pediatricians

Neurologists

Cardiologist

Dermatologists

Oncologists

Cosmetic Surgeons

And more...

High Limit Disability Insurancefor Physicians and Surgeons

• Do you have the proper amount of disability insurance?

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• 2#%3&44%#564/&(%")3%'&.64#%&0%&'%0)%,#0%0"#%6$)6#$%/.)7(0%)+%*&'/1&4&08%&(-).#%&('7$/(-#9

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0%

25%

50%

75%

100%

Individual Surgeon Earning $1,000,000 Age 45 Pre-Disability Monthly Income= $83,000

Group DisabilityIndividual DisabilityShort

$30,000

$15,000 Individual Disability

$5,000 Group Disability

Insures The Difference

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Shortfall

Our Solution:

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B2<?%70)1%-0)%1#(#D0%6/8/14#%&(%0"#%-/'#%0"/0%0"#$#%&'%/%H!C9%!"#$%&#'&'()&)*%&+,&-.&/+*'(01

BI,,$#,/0#%J&.&0K%2@=A44=444BL#0/&(%0"#%2B45%)(&/$79%()(M-/(%7(0&4%/,#%EN

Please contact your local insurance representative, or call us for

a representative near you

105 West Main St. Elkin, NC 28621 Phone: 800-849-0474

Fax: 336-835-1729

www.isinsurance.com

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PRODUCTS:

· Personal Disability

· Key Person Coverage

· Business Overhead Expense

· Disability Buy-Out

· Needle-Stick Coverage

BENEFITS:

· Pure “Own-Occupation” Definitions

· Monthly Benefits up to $100,000 per month

· 30, 60, 90, 180 or 365 day waiting periods

· Monthly benefits, plus lump sum benefits of $10,000,000+

· Individual or Multi-Life coverage

· Residual and COLA Riders

The PHYSICIANS & SURGEONS

HIGH LIMIT DISABILITY

Insurance Plan was designed

to assist in providing

adequate limits you need.

CASE STUDIES

A Ear/Nose/Throat surgeon earning $1,200,000 per year obtained $16,000 per month of disability coverage through the domestic market. International Specialty Insurance provided an additional $29,000 per month, followed by a lump sum of $6,000,000 of “own occ” disability coverage for the surgeon.

To fully fund the buy-out contract of a group of 4 cosmetic surgeons, International Specialty Insurance provided $45,000,000 of disability coverage: - $15,000,000 for the Founder and Senior Partner - $30,000,000 on the other 3 partners

A Private Practice has a dentists group earning $800,000 and above. The group’s coverage plan provides 60% to $12,000 per month cap. International Specialty Insurance provided an excess monthly benefit for $30,000 per month, with lump sum benefits of $1,500,000 for the dentists.

Own Occupation Disability Insurance

As a physician, surgeon or dentist, it

is vital to protect your most valuable

asset – your ability to earn an income.

However, professionals in the medical

field know all too well that traditional

insurers fall short in providing ade-

quate amounts of disability insurance.

If you can’t perform your “own oc-

cupation”, it’s important that your

disability coverage have high enough

limits to help replace your lost income.