Some of the most utilized coverage options for this class include:

Personal Income Protection

Protects an individual’s income that would be lost if they were unable to work due to an injury/illness. PFS can offer monthly benefits ranging from $5,000 to more than $250,000. It pays monthly benefits for up to 60 months after satisfying one of the available elimination periods we offer. (Individual and Group Coverage is available)

Business Overhead Coverage

Protects small companies or professionals who need to be healthy and working in order to cover the monthly costs of doing business should they become disabled.

Buy/Sell Agreements

Protection in the event one owner of the practice suffers a career-ending disability by providing the remaining owners the capital to buy-out the disabled partner.

Company Revenue Protection

Protects revenue from deteriorating when a company loses a contributing member until that person returns or is replaced.

“Key Person” Insurance

Protection will pay the company a revenue stream equal to the amount of revenue a key employee produces for the company should they become disabled.

Contractual Obligation

Protects a company against the loss of an employee who has guaranteed financial compensation, whether physically able to work or not.

Loan Indemnification

Protects money loaned from a financial institution in the event key persons become disabled, impacting the business performance and therefore not allowing the business to make its payments.

Kidnap & Ransom

Protects individuals and corporations operating in high-risk areas around the world. Benefits provided may include: ransom monies, accidental death or dismemberment, medical care, wage replacement, transit/delivery, etc.


If you don't see what you're looking for, or are unsure of any of the coverage options above, please contact us and we'll be happy to help you find the right solution!