Protect What Matters Most-
Your Income & Financial Future

At FSG Brokerage, we help financial professionals across the country grow their practices, expand their expertise, and protect their clients’ financial stability through income protection and long-term care strategies that work in the real world.

We’re not just a product provider — we’re a partner in your success.

Our Mission

“To make income protection simple, profitable, and powerfully effective for every advisor we serve.”

We believe every client deserves a financial plan that stands strong in the face of uncertainty, and every advisor deserves the tools, training, and support to deliver it with confidence.

Our mission is to help you protect your clients’ income; the foundation of every financial plan, while building a more sustainable and rewarding business for yourself.

Insurance Solutions Built Around Protection

Individual Disability Insurance

Income protection when you can’t work due to illness or injury.

Long Term Care Insurance

Coverage for assisted living, nursing, and home care services.

Critical Illness

 Lump-sum benefits for covered conditions.

Who We Work With

Our Simple, Proven Process

1

Expert Discovery

We clarify the case, strategy, and best path forward.

2

Carrier & Design Comparison

We structure and compare top carrier solutions.

3

Application & Underwriting Support

We manage details, positioning, and carrier communication.

4

Ongoing Partnership

Support before, during, and after placement.

We Represent Quality DI and LTC Carriers

We have carefully picked only those companies with A.M. Best’s Secure Ratings, in order to give you and your client the best quality at the lowest possible cost. Our expertise will help you to get the best products from the best carrier.

INDIVIDUAL DISABILITY INCOME INSURANCE

Your income is your client’s most valuable asset — yet it’s the one most often left unprotected.

Individual Disability Income Insurance replaces a portion of earned income if illness or injury prevents your client from working. Unlike employer group coverage, individual policies are portable, customizable, and contractually guaranteed.

What Disability Insurance Actually Covers

Disability insurance provides monthly, tax-free income when a client cannot perform the duties of their occupation due to sickness or injury. Benefits can be used for:

  • Mortgage or rent
  • Utilities and daily living expenses
  • Student loans
  • Childcare and education
  • Retirement contributions

This coverage protects lifestyle continuity — not just survival.

Why Clients Are Underinsured

Many clients assume they’re “covered at work.” In reality:

  • Group plans typically cover only 40–60% of base salary
  • Bonuses, commissions, and self-employment income are often excluded
  • Benefits are usually taxable
  • Coverage is lost when employment ends
  • Definitions of disability are often restrictive

Individual DI fills these gaps — and does so with precision.

Key Policy Design Elements We Help You Navigate

Disability Income Insurance is highly customizable. We help you structure:

  • True Own-Occupation vs. Modified Definitions
  • Benefit Amount & Benefit Period
  • Elimination Periods
  • Residual & Partial Disability Riders
  • Future Increase Options
  • Cost of Living Adjustments
  • Mental/Nervous and Substance Limitations
  • High-Limit & Specialty Occupation Designs

Every lever matters — and small design choices have major long-term consequences.

Ideal Clients

  • Professionals and high earners
  • Physicians, dentists, attorneys
  • Business owners and entrepreneurs
  • 1099 and self-employed individuals
  • Clients with income volatility
  • Anyone whose lifestyle depends on their ability to work

The FSG Advantage

We don’t just quote policies — we help you:

  • Educate clients with confidence
  • Explain why carriers don’t cover 100% of income
  • Structure policies to fit underwriting realities
  • Avoid over-promising and under-delivering
  • Win cases through clarity, not pressure

Disability income is complex. That’s why brokers rely on specialists.

Not sure how to position this with your client?

We help brokers structure, explain, and place these products every day. Let’s design the right solution together.

LONG TERM CARE INSURANCE

Long Term Care Insurance protects clients against the largest unfunded risk in retirement — the cost of extended care.

This coverage helps pay for care when someone can no longer perform activities of daily living or suffers cognitive impairment.

What Long Term Care Insurance Covers

Coverage typically includes:

  • In-home care
  • Assisted living
  • Adult day care
  • Skilled nursing facilities
  • Memory care
  • Hospice services

Health insurance and Medicare generally do not cover these costs long-term.

Why Long Term Care Planning Is Critical

  • People are living longer
  • Care costs continue to rise
  • Family caregivers face emotional and financial strain
  • Self-funding care can rapidly drain retirement assets
  • LTC events often last years, not months

Long Term Care Insurance provides choice, dignity, and financial control.

Types of Long Term Care Solutions We Support

We help brokers navigate multiple structures, including:

  • Traditional Stand-Alone LTC
  • Hybrid Life + LTC Policies
  • Hybrid Annuity + LTC Riders
  • Asset-Based LTC Solutions
  • Worksite Long Term Care Plans

Each option has tradeoffs — premiums, leverage, underwriting, and flexibility all matter.

Ideal Clients

  • Pre-retirees and retirees
  • Business owners
  • High-net-worth individuals
  • Clients concerned about legacy planning
  • Couples planning jointly
  • Clients with family history of cognitive decline

How We Help You Position LTC

  • Frame LTC as asset protection, not insurance
  • Address “use it or lose it” objections
  • Compare hybrid vs. traditional solutions clearly
  • Align coverage with estate and retirement planning
  • Coordinate with financial advisors and CPAs

Long Term Care planning is not about fear — it’s about control and options.

Not sure how to position this with your client?
We help brokers structure, explain, and place these products every day. Let’s design the right solution together.

CRITICAL ILLNESS & ACCIDENT INSURANCE

Critical Illness Insurance is designed to cover the financial shock that comes with a serious diagnosis — even when health insurance is in place.

When a covered condition occurs, the policy pays a lump-sum cash benefit, paid directly to the insured.

What Critical Illness Insurance Covers

Covered conditions typically include:

  • Heart attack
  • Stroke
  • Cancer
  • Major organ failure
  • Certain neurological conditions
  • Severe burns or traumatic injuries

The benefit is paid regardless of actual medical expenses.

Why This Coverage Matters

Even with “good” medical insurance, clients face:

  • Deductibles and out-of-pocket maximums
  • Lost income during treatment or recovery
  • Travel for care or specialists
  • Experimental or out-of-network treatment
  • Household disruption and caregiver costs

Critical Illness coverage fills the financial gray area between health insurance and disability insurance.

How Clients Use the Money

The cash benefit can be used for:

  • Medical bills
  • Mortgage or rent
  • Household expenses
  • Childcare
  • Travel or lodging
  • Income replacement
  • Recovery time without financial stress

There are no restrictions on use.

Accident Insurance: Protection for the Unexpected

Accident policies pay benefits for:

  • Fractures
  • Dislocations
  • ER visits
  • Ambulance services
  • Follow-up care
  • Physical therapy

These plans are especially valuable for:

  • Younger clients
  • Families with children
  • Active lifestyles
  • Clients with limited disability or health coverage

Ideal Use Cases

  • Supplemental protection alongside disability income
  • Clients who don’t qualify for traditional DI
  • Bridge coverage during underwriting
  • Affordable entry-level protection
  • Worksite or voluntary benefit offerings

Why Advisors Use Critical Illness Strategically

  • Simple to explain
  • Easy underwriting
  • Fast issue
  • High perceived value
  • Strong client appreciation at claim time

It’s not a replacement for DI — it’s a powerful complement.

Not sure how to position this with your client?

We help brokers structure, explain, and place these products every day. Let’s design the right solution together.