{"id":5373,"date":"2013-01-30T14:12:47","date_gmt":"2013-01-30T14:12:47","guid":{"rendered":"http:\/\/muffingroup.com\/dev8624\/bretheon\/?page_id=5373"},"modified":"2026-11-08T15:38:14","modified_gmt":"2026-11-08T15:38:14","slug":"products","status":"publish","type":"page","link":"https:\/\/fsgbrokerage.com\/fsg-new\/?page_id=5373","title":{"rendered":"Our Products"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5373\" class=\"elementor elementor-5373\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b517ec e-flex e-con-boxed e-con e-parent\" data-id=\"1b517ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-51c36ab e-con-full e-flex e-con e-child\" data-id=\"51c36ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d1031db elementor-widget elementor-widget-heading\" data-id=\"d1031db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">our products<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4082b3 elementor-widget elementor-widget-heading\" data-id=\"c4082b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Protection for the income behind every plan.\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-746835d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"746835d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Disability income is our specialty. Long-term care, critical illness, life insurance, and annuities round out the plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e7df7d1 e-con-full e-flex e-con e-child\" data-id=\"e7df7d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ed6c9e elementor-align-left elementor-widget elementor-widget-button\" data-id=\"8ed6c9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#disability\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Disability Income<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1a89eb elementor-align-left elementor-widget elementor-widget-button\" data-id=\"a1a89eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#long\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Long-term care<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04b9a42 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"04b9a42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#critical\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Critical illness and accident<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8575717 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"8575717\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#everything\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Everything we place<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49d0e0c e-flex e-con-boxed e-con e-parent\" data-id=\"49d0e0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4aeae16 elementor-widget elementor-widget-heading\" data-id=\"4aeae16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjczNTYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">Experience<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ddd0bf elementor-widget elementor-widget-heading\" data-id=\"7ddd0bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6Ijc2MDgiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">Experience<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b282e9 elementor-widget elementor-widget-heading\" data-id=\"8b282e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6Ijc1OTYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">Experience<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b419083 e-flex e-con-boxed e-con e-parent\" data-id=\"b419083\" data-element_type=\"container\" data-e-type=\"container\" id=\"disability\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ec2204a e-con-full e-flex e-con e-child\" data-id=\"ec2204a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b7db87 elementor-widget elementor-widget-heading\" data-id=\"6b7db87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OUR SPECIALTY<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-562107c elementor-widget elementor-widget-heading\" data-id=\"562107c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Disability income protection insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0b2c60 elementor-widget elementor-widget-text-editor\" data-id=\"e0b2c60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Income is your client&#8217;s most valuable asset, yet it&#8217;s the one most often left unprotected.<\/strong><\/p><p>Individual disability insurance is designed to help protect income if your clients are unable to work due to an injury or illness. Everything they&#8217; re planning, from the mortgage and health insurance premiums to providing for their families, runs on that income.<\/p><p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a1c435 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"1a1c435\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#more\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more about disability income<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6073085 e-con-full e-flex e-con e-child\" data-id=\"6073085\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-775c032 e-con-full e-flex e-con e-child\" data-id=\"775c032\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6a404c elementor-widget elementor-widget-heading\" data-id=\"e6a404c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\nEvery DI case comes back ready to present.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0759f39 elementor-widget elementor-widget-text-editor\" data-id=\"0759f39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Quotes from the carriers that fit, built into a client presentation with your name on it. Same day, never more than 24 hours.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb70ff3 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"cb70ff3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"\/?page_id=6635\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request a Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b1924d e-flex e-con-boxed e-con e-parent\" data-id=\"1b1924d\" data-element_type=\"container\" data-e-type=\"container\" id=\"more\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3068977 e-con-full e-flex e-con e-child\" data-id=\"3068977\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b3b98f0 e-con-full e-flex e-con e-child\" data-id=\"b3b98f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cb7d15 elementor-widget elementor-widget-text-editor\" data-id=\"2cb7d15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe93b6a e-con-full e-flex e-con e-child\" data-id=\"fe93b6a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1ece5a3 e-con-full e-flex e-con e-child\" data-id=\"1ece5a3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50a44d4 elementor-widget elementor-widget-heading\" data-id=\"50a44d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What disability insurance actually covers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39c3046 elementor-widget elementor-widget-text-editor\" data-id=\"39c3046\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Monthly income when a client can&#8217; 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:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4316c3f elementor-widget elementor-widget-text-editor\" data-id=\"4316c3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Mortgage or rent<\/li><li>Utilities and daily living expenses<\/li><li>Student loans<\/li><li>Childcare and education<\/li><li>Retirement contributions<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eabd88 elementor-widget elementor-widget-text-editor\" data-id=\"3eabd88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Thi<\/strong><strong>s <\/strong><strong>c<\/strong><strong>ov<\/strong><strong>e<\/strong><strong>r<\/strong><strong>age <\/strong><strong>prot<\/strong><strong>ec<\/strong><strong>ts <\/strong><strong>life<\/strong><strong>sty<\/strong><strong>le c<\/strong><strong>ont<\/strong><strong>i<\/strong><strong>nu<\/strong><strong>i<\/strong><strong>ty<\/strong><strong>, <\/strong><strong>not <\/strong><strong>j<\/strong><strong>ust surv<\/strong><strong>i<\/strong><strong>v<\/strong><strong>al<\/strong><strong>.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f620117 e-con-full e-flex e-con e-child\" data-id=\"f620117\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a1ffb2 elementor-widget elementor-widget-heading\" data-id=\"7a1ffb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why clients are underinsured<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c447458 elementor-widget elementor-widget-text-editor\" data-id=\"c447458\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Many clients assume they&#8217; re &#8220;covered at work.&#8221; In reality:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b392689 elementor-widget elementor-widget-text-editor\" data-id=\"b392689\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Group plans typically cover only 40 to 60% of base salary<\/li><li>Bonuses, commissions, and self-employment income are often excluded<\/li><li>Benefits are usually taxable<\/li><li>Coverage is lost when employment ends<\/li><li>Definitions of disability are often restrictive<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af787aa elementor-widget elementor-widget-text-editor\" data-id=\"af787aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>I<\/strong><strong>n<\/strong><strong>di<\/strong><strong>v<\/strong><strong>id<\/strong><strong>u<\/strong><strong>al DI fill<\/strong><strong>s t<\/strong><strong>he<\/strong><strong>s<\/strong><strong>e ga<\/strong><strong>ps<\/strong><strong>, <\/strong><strong>a<\/strong><strong>n<\/strong><strong>d d<\/strong><strong>o<\/strong><strong>e<\/strong><strong>s so w<\/strong><strong>i<\/strong><strong>t<\/strong><strong>h <\/strong><strong>pr<\/strong><strong>eci<\/strong><strong>s<\/strong><strong>i<\/strong><strong>on<\/strong><strong>.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c56a50 e-con-full e-flex e-con e-child\" data-id=\"4c56a50\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec790ef elementor-widget elementor-widget-heading\" data-id=\"ec790ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key policy design elements we help you navigate<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d4ad2a elementor-widget elementor-widget-text-editor\" data-id=\"1d4ad2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>\u00a0<\/strong>True own-occupation vs. modified definitions<\/li><li>Benefit amount and benefit period<\/li><li>Elimination periods<\/li><li>Residual and partial disability riders<\/li><li>Future increase options<\/li><li>Cost of living adjustments<\/li><li>Mental\/nervous and substance limitations<\/li><li>High-limit and specialty occupation designs<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7827f7 elementor-widget elementor-widget-text-editor\" data-id=\"b7827f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Every lever matters, and small design choices have major long-term consequences.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-308ba2e e-con-full e-flex e-con e-child\" data-id=\"308ba2e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-383a7da e-con-full e-flex e-con e-child\" data-id=\"383a7da\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14e3380 elementor-widget elementor-widget-heading\" data-id=\"14e3380\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ideal clients<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-909538d elementor-widget elementor-widget-text-editor\" data-id=\"909538d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Professionals and high earners<\/li><li>Physicians, dentists, attorneys<\/li><li>Business owners and entrepreneurs<\/li><li>Salaried employees whose group plan leaves a gap<\/li><li>Trades and skilled labor<\/li><li>1099 and self-employed individuals<\/li><li>Clients with income volatility<\/li><li>Anyone whose lifestyle depends on their ability to work<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a73ee4 e-con-full e-flex e-con e-child\" data-id=\"7a73ee4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52786fc elementor-widget elementor-widget-heading\" data-id=\"52786fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The FSG advantage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1138983 elementor-widget elementor-widget-text-editor\" data-id=\"1138983\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We don&#8217; t just quote policies. We help you:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b77a86b elementor-widget elementor-widget-text-editor\" data-id=\"b77a86b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Educate clients with confidence<\/li><li>Explain why carriers don&#8217;t cover 100% of income<\/li><li>Structure policies to fit underwriting realities<\/li><li>Avoid over-promising and under-delivering<\/li><li>Win cases through clarity, not pressure<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd4a0a6 elementor-widget elementor-widget-text-editor\" data-id=\"fd4a0a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Di<\/strong><strong>s<\/strong><strong>abili<\/strong><strong>ty <\/strong><strong>i<\/strong><strong>n<\/strong><strong>c<\/strong><strong>om<\/strong><strong>e i<\/strong><strong>s <\/strong><strong>c<\/strong><strong>omp<\/strong><strong>le<\/strong><strong>x<\/strong><strong>. <\/strong><strong>Tha<\/strong><strong>t<\/strong><strong>&#8216;<\/strong><strong>s w<\/strong><strong>h<\/strong><strong>y <\/strong><strong>b<\/strong><strong>ro<\/strong><strong>ke<\/strong><strong>rs r<\/strong><strong>el<\/strong><strong>y on sp<\/strong><strong>eciali<\/strong><strong>sts<\/strong><strong>.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ee30569 e-con-full e-flex e-con e-child\" data-id=\"ee30569\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1e6607d e-con-full e-flex e-con e-child\" data-id=\"1e6607d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e26b965 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"e26b965\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/fsgbrokerage.com\/fsg-new\/?page_id=6635\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f11cb49 e-con-full e-flex e-con e-child\" data-id=\"f11cb49\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-beb421c elementor-widget elementor-widget-heading\" data-id=\"beb421c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Not sure how to position this with your client?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d89d6f3 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"d89d6f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We help brokers structure, explain, and place these products every day. Let&#8217;s design the right solution together.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a370dd e-flex e-con-boxed e-con e-parent\" data-id=\"6a370dd\" data-element_type=\"container\" data-e-type=\"container\" id=\"long\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-77cec42 e-con-full e-flex e-con e-child\" data-id=\"77cec42\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5a73945 e-con-full e-flex e-con e-child\" data-id=\"5a73945\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a41937b elementor-widget elementor-widget-heading\" data-id=\"a41937b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Long-term care insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9eacb9 elementor-widget elementor-widget-text-editor\" data-id=\"c9eacb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Long-term care insurance is valuable coverage that protects your clients&#8217; 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.<\/p><p>It&#8217;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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cc9dd2 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"3cc9dd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#more2\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more about long-term care <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae0dfbf e-con-full e-flex e-con e-child\" data-id=\"ae0dfbf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-93aad4b e-con-full e-flex e-con e-child\" data-id=\"93aad4b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e03dcaf elementor-widget elementor-widget-heading\" data-id=\"e03dcaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Traditional and hybrid plans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-321c370 elementor-widget elementor-widget-text-editor\" data-id=\"321c370\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Stand-alone long-term care, or life and annuity plans with long-term care benefits<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1dc38d elementor-align-left elementor-widget elementor-widget-button\" data-id=\"d1dc38d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"\/?page_id=6635\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request a Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0738576 e-con-full e-flex e-con e-child\" data-id=\"0738576\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-840d5b2 e-con-full e-flex e-con e-child\" data-id=\"840d5b2\" data-element_type=\"container\" data-e-type=\"container\" id=\"more2\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d055ae2 e-con-full e-flex e-con e-child\" data-id=\"d055ae2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d871633 elementor-widget elementor-widget-text-editor\" data-id=\"d871633\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-00a8b35 e-con-full e-flex e-con e-child\" data-id=\"00a8b35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8930a5a e-con-full e-flex e-con e-child\" data-id=\"8930a5a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d09b838 elementor-widget elementor-widget-heading\" data-id=\"d09b838\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What long-term care insurance covers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b5f106 elementor-widget elementor-widget-text-editor\" data-id=\"7b5f106\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><p>In-home care<\/p><\/li><li><p>Assisted living Adult day care<\/p><\/li><li><p>Skilled nursing facilities<\/p><\/li><li><p>Memory care<\/p><\/li><li><p>Hospice services<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-437f20e elementor-widget elementor-widget-text-editor\" data-id=\"437f20e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Health insurance and Medicare generally don&#8217; t cover these costs long-term.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20d4667 e-con-full e-flex e-con e-child\" data-id=\"20d4667\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74e846c elementor-widget elementor-widget-heading\" data-id=\"74e846c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why long-term care planning matters<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3297415 elementor-widget elementor-widget-text-editor\" data-id=\"3297415\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>People are living longer<\/li><li>Care costs continue to rise<\/li><li>Family caregivers face emotional and financial strain<\/li><li>Self-funding care can rapidly drain retirement assets<\/li><li>Care needs often last years, not months<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61a30f8 elementor-widget elementor-widget-text-editor\" data-id=\"61a30f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>L<\/strong><strong>on<\/strong><strong>g<\/strong><strong>&#8211;<\/strong><strong>t<\/strong><strong>e<\/strong><strong>rm <\/strong><strong>ca<\/strong><strong>r<\/strong><strong>e i<\/strong><strong>nsur<\/strong><strong>a<\/strong><strong>n<\/strong><strong>ce <\/strong><strong>prov<\/strong><strong>ide<\/strong><strong>s <\/strong><strong>ch<\/strong><strong>o<\/strong><strong>ice<\/strong><strong>, <\/strong><strong>dig<\/strong><strong>n<\/strong><strong>i<\/strong><strong>ty<\/strong><strong>,<\/strong> <strong>a<\/strong><strong>n<\/strong><strong>d<\/strong> <strong>fi<\/strong><strong>n<\/strong><strong>a<\/strong><strong>n<\/strong><strong>cial<\/strong> <strong>c<\/strong><strong>ontro<\/strong><strong>l<\/strong><strong>.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c21c46d e-con-full e-flex e-con e-child\" data-id=\"c21c46d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a9e1a7 elementor-widget elementor-widget-heading\" data-id=\"1a9e1a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Types of solutions we support<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be8369f elementor-widget elementor-widget-text-editor\" data-id=\"be8369f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Traditional stand-alone LTC<\/li><li>Hybrid life with LTC<\/li><li>Hybrid annuity with LTC riders<\/li><li>Asset-based LTC solutions<\/li><li>Worksite long-term care plans<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec8c7d1 elementor-widget elementor-widget-text-editor\" data-id=\"ec8c7d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Each option has tradeoffs: premiums, leverage, underwriting, and flexibility all matter<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d9f4b6 e-con-full e-flex e-con e-child\" data-id=\"2d9f4b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9899ec7 e-con-full e-flex e-con e-child\" data-id=\"9899ec7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a5de89 elementor-widget elementor-widget-heading\" data-id=\"1a5de89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ideal clients<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bda3270 elementor-widget elementor-widget-text-editor\" data-id=\"bda3270\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><p>Pre-retirees and retirees Business owners<\/p><\/li><li><p>High-net-worth individuals<\/p><\/li><li><p>Clients focused on legacy planning<\/p><\/li><li><p>Couples planning jointly<\/p><\/li><li><p>Clients with a family history of cognitive decline<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b336d93 e-con-full e-flex e-con e-child\" data-id=\"b336d93\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-538bca7 elementor-widget elementor-widget-heading\" data-id=\"538bca7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How we help you position LTC<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b501305 elementor-widget elementor-widget-text-editor\" data-id=\"b501305\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Frame LTC as asset protection, not just insurance<\/li><li>Address &#8220;use it or lose it&#8221; objections<\/li><li>Compare hybrid and traditional solutions clearly<\/li><li>Align coverage with estate and retirement planning<\/li><li>Coordinate with financial advisors and CPAs<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b15044 elementor-widget elementor-widget-text-editor\" data-id=\"6b15044\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>L<\/strong><strong>on<\/strong><strong>g<\/strong><strong>&#8211;<\/strong><strong>t<\/strong><strong>e<\/strong><strong>rm <\/strong><strong>ca<\/strong><strong>r<\/strong><strong>e <\/strong><strong>p<\/strong><strong>la<\/strong><strong>nn<\/strong><strong>i<\/strong><strong>n<\/strong><strong>g i<\/strong><strong>s not <\/strong><strong>ab<\/strong><strong>out <\/strong><strong>fea<\/strong><strong>r<\/strong><strong>. <\/strong><strong>I<\/strong><strong>t<\/strong><strong>&#8216;<\/strong><strong>s <\/strong><strong>ab<\/strong><strong>out <\/strong><strong>c<\/strong><strong>ontro<\/strong><strong>l a<\/strong><strong>n<\/strong><strong>d <\/strong><strong>opt<\/strong><strong>i<\/strong><strong>ons<\/strong><strong>.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a27874e e-con-full e-flex e-con e-child\" data-id=\"a27874e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-bd5ad08 e-con-full e-flex e-con e-child\" data-id=\"bd5ad08\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e499a6 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"9e499a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/fsgbrokerage.com\/fsg-new\/?page_id=6635\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2110862 e-con-full e-flex e-con e-child\" data-id=\"2110862\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-952f055 elementor-widget elementor-widget-heading\" data-id=\"952f055\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Not sure how to position this with your client?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e0ec70 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"9e0ec70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We help brokers structure, explain, and place these products every day. Let&#8217;s design the right solution together.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c12dac3 e-flex e-con-boxed e-con e-parent\" data-id=\"c12dac3\" data-element_type=\"container\" data-e-type=\"container\" id=\"critical\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0a54100 e-con-full e-flex e-con e-child\" data-id=\"0a54100\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29068e5 elementor-widget elementor-widget-heading\" data-id=\"29068e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Critical illness and accident<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-092d402 elementor-widget elementor-widget-text-editor\" data-id=\"092d402\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Critical illness and accident plans are available on an individual or group basis.<\/p><p>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.<\/p><p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c538695 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"c538695\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#more3\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more about critical illness and accident <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-acc8052 e-con-full e-flex e-con e-child\" data-id=\"acc8052\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-da34d37 e-con-full e-flex e-con e-child\" data-id=\"da34d37\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a56def elementor-widget elementor-widget-heading\" data-id=\"9a56def\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\nPair it with disability income\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f733324 elementor-widget elementor-widget-text-editor\" data-id=\"f733324\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Disability income replaces the paycheck. Critical illness covers the costs a diagnosis brings.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dad2cf3 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"dad2cf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"\/?page_id=6635\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request a Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c34447 e-flex e-con-boxed e-con e-parent\" data-id=\"9c34447\" data-element_type=\"container\" data-e-type=\"container\" id=\"more3\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bee6f4e e-con-full e-flex e-con e-child\" data-id=\"bee6f4e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-65c4899 e-con-full e-flex e-con e-child\" data-id=\"65c4899\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9e51d8 elementor-widget elementor-widget-text-editor\" data-id=\"e9e51d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cccc878 e-con-full e-flex e-con e-child\" data-id=\"cccc878\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-25ab1cc e-con-full e-flex e-con e-child\" data-id=\"25ab1cc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd75cbf elementor-widget elementor-widget-heading\" data-id=\"fd75cbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What critical illness insurance covers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-780adb5 elementor-widget elementor-widget-text-editor\" data-id=\"780adb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Covered conditions typically include:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9297b4b elementor-widget elementor-widget-text-editor\" data-id=\"9297b4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Heart attack<\/li><li>Stroke<\/li><li>Cancer<\/li><li>Major organ failure<\/li><li>Certain neurological conditions<\/li><li>Severe burns or traumatic injuries<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46a5695 elementor-widget elementor-widget-text-editor\" data-id=\"46a5695\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>The be<\/strong><strong>n<\/strong><strong>efi<\/strong><strong>t <\/strong><strong>i<\/strong><strong>s p<\/strong><strong>aid <\/strong><strong>r<\/strong><strong>ega<\/strong><strong>r<\/strong><strong>dle<\/strong><strong>ss o<\/strong><strong>f ac<\/strong><strong>tu<\/strong><strong>al <\/strong><strong>m<\/strong><strong>edical <\/strong><strong>expenses<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d45341a e-con-full e-flex e-con e-child\" data-id=\"d45341a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36288f7 elementor-widget elementor-widget-heading\" data-id=\"36288f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why this coverage matters<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef18d2b elementor-widget elementor-widget-text-editor\" data-id=\"ef18d2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Even with &#8220;good&#8221; medical insurance, clients face:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fcf6540 elementor-widget elementor-widget-text-editor\" data-id=\"fcf6540\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Deductibles and out-of-pocket maximums<\/li><li>Lost income during treatment or recovery<\/li><li>Travel for care or specialists<\/li><li>Experimental or out-of-network treatment<\/li><li>Household disruption and caregiver costs<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b573e22 elementor-widget elementor-widget-text-editor\" data-id=\"b573e22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>C<\/strong><strong>r<\/strong><strong>i<\/strong><strong>t<\/strong><strong>ical ill<\/strong><strong>n<\/strong><strong>e<\/strong><strong>ss <\/strong><strong>c<\/strong><strong>ov<\/strong><strong>e<\/strong><strong>r<\/strong><strong>age fill<\/strong><strong>s t<\/strong><strong>he fi<\/strong><strong>n<\/strong><strong>a<\/strong><strong>n<\/strong><strong>cial g<\/strong><strong>r<\/strong><strong>a<\/strong><strong>y <\/strong><strong>a<\/strong><strong>r<\/strong><strong>ea be<\/strong><strong>tw<\/strong><strong>ee<\/strong><strong>n <\/strong><strong>heal<\/strong><strong>t<\/strong><strong>h i<\/strong><strong>nsur<\/strong><strong>a<\/strong><strong>n<\/strong><strong>ce a<\/strong><strong>n<\/strong><strong>d di<\/strong><strong>s<\/strong><strong>abili<\/strong><strong>ty <\/strong><strong>i<\/strong><strong>nsur<\/strong><strong>a<\/strong><strong>n<\/strong><strong>ce<\/strong><strong>.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3bc7682 e-con-full e-flex e-con e-child\" data-id=\"3bc7682\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6181ab elementor-widget elementor-widget-heading\" data-id=\"f6181ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How clients use the money<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6e95e5 elementor-widget elementor-widget-text-editor\" data-id=\"a6e95e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Medical bills<\/li><li>Mortgage or rent<\/li><li>Household expenses Childcare<\/li><li>Travel or lodging Income replacement<\/li><li>Recovery time without financial stress<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03a7c3c elementor-widget elementor-widget-text-editor\" data-id=\"03a7c3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>The<\/strong><strong>r<\/strong><strong>e<\/strong> <strong>a<\/strong><strong>r<\/strong><strong>e<\/strong> <strong>no<\/strong> <strong>r<\/strong><strong>e<\/strong><strong>str<\/strong><strong>ic<\/strong><strong>t<\/strong><strong>i<\/strong><strong>ons<\/strong> <strong>on<\/strong> <strong>us<\/strong><strong>e<\/strong><strong>.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4855a5e e-con-full e-flex e-con e-child\" data-id=\"4855a5e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6171120 e-con-full e-flex e-con e-child\" data-id=\"6171120\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2187d82 elementor-widget elementor-widget-heading\" data-id=\"2187d82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Accident insurance: protection for the\nunexpected\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-422544b elementor-widget elementor-widget-text-editor\" data-id=\"422544b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Accident policies pay benefits for:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba3353a elementor-widget elementor-widget-text-editor\" data-id=\"ba3353a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><p>Fractures Dislocations ER visits<\/p><\/li><li><p>Ambulance services<\/p><\/li><li><p>Follow-up care<\/p><\/li><li><p>Physical therapy<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d924b1b elementor-widget elementor-widget-text-editor\" data-id=\"d924b1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>These plans are especially valuable for:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50e8666 elementor-widget elementor-widget-text-editor\" data-id=\"50e8666\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Younger clients<\/li><li>Families with children<\/li><li>Active lifestyles<\/li><li>Clients with limited disability or health coverage<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8df1d3a e-con-full e-flex e-con e-child\" data-id=\"8df1d3a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e8733a elementor-widget elementor-widget-heading\" data-id=\"9e8733a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ideal use cases<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc83c4d elementor-widget elementor-widget-text-editor\" data-id=\"bc83c4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We don&#8217; t just quote policies. We help you:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d109336 elementor-widget elementor-widget-text-editor\" data-id=\"d109336\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Supplemental protection alongside disability income<\/li><li>Clients who don&#8217;t qualify for traditional DI Bridge coverage during underwriting<\/li><li>Affordable entry-level protection<\/li><li>Worksite or voluntary benefit offerings<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84e1b7f elementor-widget elementor-widget-text-editor\" data-id=\"84e1b7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Di<\/strong><strong>s<\/strong><strong>abili<\/strong><strong>ty <\/strong><strong>i<\/strong><strong>n<\/strong><strong>c<\/strong><strong>om<\/strong><strong>e i<\/strong><strong>s <\/strong><strong>c<\/strong><strong>omp<\/strong><strong>le<\/strong><strong>x<\/strong><strong>. <\/strong><strong>Tha<\/strong><strong>t<\/strong><strong>&#8216;<\/strong><strong>s w<\/strong><strong>h<\/strong><strong>y <\/strong><strong>b<\/strong><strong>ro<\/strong><strong>ke<\/strong><strong>rs r<\/strong><strong>el<\/strong><strong>y on sp<\/strong><strong>eciali<\/strong><strong>sts<\/strong><strong>.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8009ac4 e-con-full e-flex e-con e-child\" data-id=\"8009ac4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50841f1 elementor-widget elementor-widget-heading\" data-id=\"50841f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why advisors use critical illness\nstrategically <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d63fd37 elementor-widget elementor-widget-text-editor\" data-id=\"d63fd37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Simple to explain<\/li><li>Easy underwriting<\/li><li>Fast issue<\/li><li>High perceived value<\/li><li>Strong client appreciation at claim time<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3e4c52 elementor-widget elementor-widget-text-editor\" data-id=\"d3e4c52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>I<\/strong><strong>t<\/strong><strong>&#8216;<\/strong><strong>s not <\/strong><strong>a <\/strong><strong>r<\/strong><strong>e<\/strong><strong>p<\/strong><strong>lace<\/strong><strong>m<\/strong><strong>e<\/strong><strong>nt <\/strong><strong>f<\/strong><strong>or <\/strong><strong>DI<\/strong><strong>. <\/strong><strong>I<\/strong><strong>t<\/strong><strong>&#8216;<\/strong><strong>s <\/strong><strong>a <\/strong><strong>pow<\/strong><strong>e<\/strong><strong>r<\/strong><strong>f<\/strong><strong>u<\/strong><strong>l c<\/strong><strong>omp<\/strong><strong>le<\/strong><strong>m<\/strong><strong>e<\/strong><strong>nt<\/strong><strong>.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-edd8018 e-con-full e-flex e-con e-child\" data-id=\"edd8018\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-64d4bb7 e-con-full e-flex e-con e-child\" data-id=\"64d4bb7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6c9a15 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"b6c9a15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"\/?page_id=165\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-08097fd e-con-full e-flex e-con e-child\" data-id=\"08097fd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-828ce99 elementor-widget elementor-widget-heading\" data-id=\"828ce99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Not sure how to position this with your client?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bc11d9 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"8bc11d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We help brokers structure, explain, and place these products every day. Let&#8217;s design the right solution together.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eb4e9eb e-flex e-con-boxed e-con e-parent\" data-id=\"eb4e9eb\" data-element_type=\"container\" data-e-type=\"container\" id=\"everything\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ccb43cf elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"ccb43cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Everything we place<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99feb42 e-con-full e-flex e-con e-child\" data-id=\"99feb42\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4b6fd53 e-con-full e-flex e-con e-child\" data-id=\"4b6fd53\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c51cf1e elementor-widget elementor-widget-heading\" data-id=\"c51cf1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Disability insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfe8705 elementor-widget elementor-widget-text-editor\" data-id=\"dfe8705\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Disability income<\/li><li>Overhead expense<\/li><li>Disability buyout<\/li><li>Key person<\/li><li>Disability retirement protection<\/li><li>Business loan disability protection<\/li><li>Group disability<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e6f700c e-con-full e-flex e-con e-child\" data-id=\"e6f700c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f88e170 elementor-widget elementor-widget-heading\" data-id=\"f88e170\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Long-term care<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab29b7e elementor-widget elementor-widget-text-editor\" data-id=\"ab29b7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Individual long-term care<\/li><li>Asset-based long-term care<\/li><li>Hybrid life with LTC riders<\/li><li>Hybrid annuity with LTC riders<\/li><li>Worksite long-term care<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-360d945 e-con-full e-flex e-con e-child\" data-id=\"360d945\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa444c6 elementor-widget elementor-widget-heading\" data-id=\"fa444c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Life insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eba10ac elementor-widget elementor-widget-text-editor\" data-id=\"eba10ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>General account universal life<\/li><li>Indexed universal life<\/li><li>Guaranteed universal life<\/li><li>Term life<\/li><li>Life with long-term care benefits<\/li><li>Whole life<\/li><li>Life settlements<\/li><li>Group life<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42cb2bd e-con-full e-flex e-con e-child\" data-id=\"42cb2bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb820ae elementor-widget elementor-widget-heading\" data-id=\"fb820ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Annuities<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca84dde elementor-widget elementor-widget-text-editor\" data-id=\"ca84dde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Multi-year guaranteed fixed<\/li><li>Indexed<\/li><li>Guaranteed income riders<\/li><li>Immediate<\/li><li>Annuities with long-term care benefits<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>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. Disability Income Long-term care Critical illness and accident Everything we place Experience Experience Experience OUR SPECIALTY Disability income protection insurance Income is your client&#8217;s most valuable asset, yet it&#8217;s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":6475,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-5373","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Our Products - FSG Brokerage<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Our Products - FSG Brokerage\" \/>\n<meta property=\"og:description\" content=\"our products Protection for the income behind every plan. 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