Office Occupancy Insurance

• Office equipment & office furniture coverage.

Business Overhead Expense Insurance

• Business expense coverage insurance ~ due disability.

Key Person Insurance

• Financial loss protected due vital member death, disability.

Property & Casualty Insurance

• Business package policies providing property and commercial general liability protection.

Long-Term Care Insurance

• Avoid nursing home costs.

Long-Term Disability

• Income protection.

Retirement Planning

ROTH IRA

.

Annuities

.

TSA

.

Savings & Retirement

• 401-K profit sharing.
• Profit sharing.
• Salary Reduction-Simplified Employee Pension plan (SAR-SEP).
• Split dollar plan.
• Simple.
• executive bonus plan.

Health Care Plans

• Managed Care Plan.
• Preferred Provider Organization.
• Prescription Drug Card Program. Dental Plans.

• Federal estate tax rates currently range from 37% to 55% on estates in excess of the amount sheltered by the unified credit.
• Taxpayer Relief Act of 1997 made a number of changes in federal gift and estate tax law.

Mutual Funds

• Conservative.
• Tax-free.
• Growth.

Permanent Life Insurance

• Planned properly, can accumulate surplus earnings through cash value considered as retained earnings to avoid possible corporate or business tax.

Variable Life

• Builds cash value through mutual funds.

Term Life Insurance

• Family protection.
• Home mortgage protection.

Income Replacement

• Payroll deduction life insurance (no cost to business owner).
• Group Term/Whole/Variable Life Insurance.
• Long term disability.
• Accidental death & dismemberment

For more home office or business insurance details ... submit form.

Go to HomeBIS® Membership Application.