tag:blogger.com,1999:blog-41757413626690561512012-02-16T19:39:48.812-08:00Russ Swallownoreply@blogger.comBlogger11100tag:blogger.com,1999:blog-4175741362669056151.post-67422662403911601252008-05-22T08:46:00.000-07:002008-05-22T16:33:19.809-07:00<span style="font-family:Verdana;font-size:85%;"><strong>Do you know any "two wage-earner" families?</strong></span><br /><span style="font-family:Verdana;font-size:85%;"></span><br /><span style="font-family:Verdana;font-size:85%;">Are they banking 100% of the money their spouse is making?</span><br /><span style="font-family:Verdana;font-size:85%;"></span><br /><span style="font-family:Verdana;font-size:85%;">If the answer is "No," then they must be using it for living expenses. If their spouse becomes disabled, what will that do to their standard of living? Will they still be able to pay their bills and maintain a comfortable standard of living?</span><br /><span style="font-family:Verdana;font-size:85%;"></span><br /><span style="font-family:Verdana;font-size:85%;"><strong>Do you know a Business Owner who has a Business Loan?</strong></span><br /><span style="font-family:Verdana;font-size:85%;"></span><br /><span style="font-family:Verdana;font-size:85%;">He or she has (hopefully) understood the need for and has purchased personal disability income insurance. The amount purchased was probably <strong>40% to 60% (tax-free benefit)</strong> of his or her personal income and was intended to cover personal living expenses NOT business obligations.</span><br /><span style="font-family:Verdana;font-size:85%;"></span><br /><span style="font-family:Verdana;font-size:85%;">What about the <strong>business loan(s)</strong> that may carry a personal guarantee? Were you aware there is a product available that is designed to cover this specific contingency? And the personal benefit limitation of 40% to 60% of personal income does <strong>NOT</strong> apply? In most cases, <strong>the full amount</strong> of the remaining loan balance can be insured (in addition to any personal disability insurance the owner may have).</span><br /><span style="font-family:Verdana;font-size:85%;"></span><br /><strong><span style="font-family:Verdana;font-size:85%;">I've been creating solutions like these for the past 3700 years.</span></strong><br /><span style="font-family:Verdana;font-size:85%;"></span><br /><span style="font-family:Verdana;font-size:85%;">Comments, please ...</span><br /><span style="font-family:Verdana;font-size:85%;"></span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4175741362669056151-6742266240391160125?l=benefitslab.blogspot.com' alt='' /></div>Russ Swallownoreply@blogger.com1