Individual Insurance

Life Insurance

Life insurance policies and carriers are as different as the individuals they cover. Let SYNC guide you through the intricacies of the different types of policies and how they may affect you and your family in the near term as well as later in life. Learn all about what’s available for you between:

  • Term
  • Whole Life
  • Universal Life

 

Individual Disability

According to the Social Security Administration, slightly over 1 in 4 Americans will become disabled before they reach retirement age. If that statistic weren’t frightening enough, this should be: disability income from Social Security is pitifully inadequate when it comes to replacing or even getting close to income levels a person had at the time of their disability.

Disability Income

Individual Disability Insurance is meant to replace the income discrepancies between group disability policies and/or Disability income from Social Security and what a person or family truly needs. Individual Disability Insurance is designed to help provide a similar level of income a person enjoyed before becoming disabled. SYNC can show you how.

Disability Buyout Insurance

This will fund a buy-sell agreement to buy out a totally disabled business owner/partner.

Overhead Expense Insurance

This often overlooked benefit can play a vital role by reimbursing a business for its operating expenses.

Key Person Replacement Insurance

This will kelp with temporary staffing and/or recruitment costs in the event a key employee leaves.