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Comprehensive Insurance Solutions for Every Stage of Life

Experience
Experience
Experience

Disability Income Protection Insurance

Individual Disability insurance is designed to help protect income if your clients are unable to work due to an injury or illness.

Life can change in a matter of seconds. What would happen if your clients no longer had the means to pay their mortgage, health insurance premiums or provide for their families?

Adding Disability Insurance to a financial plan is the most important step you can make to protect the financial future of your clients.

The right plan will depend on income, occupation, health and financial commitment… Learn more

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Long Term Care Insurance

Long Term Care Insurance is a valuable coverage that protects your clients’ assets and ensures they will receive the type of care they deserve when they need it most.

Long Term Care Insurance can provide benefits for nursing home, adult day care, assisted living and home care services.

Long Term Care is designed to provide benefits for people with chronic illness, cognitive impairment and also those recovering from a serious injury that requires rehabilitative services.

Let us help you find a plan for your clients… Learn more

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Critical Illness Insurance

Critical Illness and Accident Plans are unique solutions available on an individual or group chassis.

Critical Illness Plans are a great complement to Disability Insurance coverage. The benefits pay a lump sum for a number of different illnesses. This coverage can help individuals pay for medical treatments and can make it possible for individuals to enjoy their last days, not having to worry about financial obligations when a critical illness strikes.

Accident Plans are a perfect and affordable solution for clients that may be medically uninsurable for Disability or Critical Illness coverage. This ensures that they have some benefits for accidents that occur.

Let us help you find a solution today… Learn more

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Here is a full list of the products we offer:

Life Insurance

  • General Account Universal Life
  • Indexed Universal Life
  • Guaranteed Universal Life
  • Term Life
  • Life with Long Term Care Benefits
  • Whole Life
  • Life Settlements
  • Group Life

Disability Insurance

  • Disability Income
  • Overhead Expense
  • Disability Buyout
  • Key Person
  • Disability Retirement Protection
  • Business Loan Disability Protection
  • Group Disability

Annuities

  • Multi Year Guaranteed Fixed
  • Indexed
  • Guaranteed Income Riders
  • Immediate
  • Annuities with Long Term Care Benefits

Long Term Care

  • Individual Long Term Care
  • Asset Based Long Term Care
  • Hybrid Life with LTC Riders
  • Hybrid Annuity with LTC Riders
  • Worksite Long Term Care

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.

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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.

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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.

Contact Us