our products
Protection for the income behind every plan.
Disability income is our specialty. Long-term care, critical illness, life insurance, and annuities round out the plan.
OUR SPECIALTY
Disability income protection insurance
Income is your client’s most valuable asset, yet it’s the one most often left unprotected.
Individual disability insurance is designed to help protect income if your clients are unable to work due to an injury or illness. Everything they’ re planning, from the mortgage and health insurance premiums to providing for their families, runs on that income.
Adding disability insurance to a financial plan is the most important step you can take to protect the financial future of your clients. The right plan depends on income, occupation, health, and financial commitments.
Every DI case comes back ready to present.
Quotes from the carriers that fit, built into a client presentation with your name on it. Same day, never more than 24 hours.
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
Monthly income when a client can’ t perform the duties of their occupation due to sickness or injury, generally tax-free when the client pays the premiums with after-tax dollars. 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 to 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
- True own-occupation vs. modified definitions
- Benefit amount and benefit period
- Elimination periods
- Residual and partial disability riders
- Future increase options
- Cost of living adjustments
- Mental/nervous and substance limitations
- High-limit and 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
- Salaried employees whose group plan leaves a gap
- Trades and skilled labor
- 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 is valuable coverage that protects your clients’ assets and ensures they receive the type of care they deserve when they need it most. I t can provide benefits for nursing home care, adult day care, assisted living, and home care services.
It’s designed for people with a chronic illness or cognitive impairment, and for people recovering from a serious injury that requires rehabilitation. Let us help you find a plan for your clients.
Traditional and hybrid plans
Stand-alone long-term care, or life and annuity plans with long-term care benefits
Long-term care insurance protects clients against the largest unfunded risk in retirement: the cost of extended care. It helps pay for care when someone can no longer perform activities of daily living or has a cognitive impairment.
What long-term care insurance covers
In-home care
Assisted living Adult day care
Skilled nursing facilities
Memory care
Hospice services
Health insurance and Medicare generally don’ t cover these costs long-term.
Why long-term care planning matters
- People are living longer
- Care costs continue to rise
- Family caregivers face emotional and financial strain
- Self-funding care can rapidly drain retirement assets
- Care needs often last years, not months
Long–term care insurance provides choice, dignity, and financial control.
Types of solutions we support
- Traditional stand-alone LTC
- Hybrid life with LTC
- Hybrid annuity with 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 focused on legacy planning
Couples planning jointly
Clients with a family history of cognitive decline
How we help you position LTC
- Frame LTC as asset protection, not just insurance
- Address “use it or lose it” objections
- Compare hybrid and 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 and accident
Critical illness and accident plans are available on an individual or group basis.
Critical illness plans are a great complement to disability insurance. They pay a lump sum for a number of covered illnesses, which can help pay for medical treatment and let your client focus on recovery instead of financial obligations.
Accident plans are an affordable solution for clients who may not qualify for disability or critical illness coverage, so they still have benefits for accidents that occur. Let us help you find a solution today.
Pair it with disability income
Disability income replaces the paycheck. Critical illness covers the costs a diagnosis brings.
Critical illness insurance is designed to cover the financial impact of a serious diagnosis, even when health insurance is in place. When a covered condition occurs, the policy pays a lump-sum cash benefit 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
- 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
We don’ t just quote policies. We help you:
- 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
Disability income is complex. That‘s why brokers rely on specialists.
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.
Everything we place
Disability insurance
- Disability income
- Overhead expense
- Disability buyout
- Key person
- Disability retirement protection
- Business loan disability protection
- Group disability
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
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
Annuities
- Multi-year guaranteed fixed
- Indexed
- Guaranteed income riders
- Immediate
- Annuities with long-term care benefits