top of page

For Groups

Protect member earnings with no medical underwriting required.  



logo 988 x 310 transparent.png

Availability is subject to state approval.  


Got a quirky situation?

Challenge accepted.

Employee Paid Options

Employer paid and employee paid options are available.

Small Group Plans

Groups as small as two (2) are welcome.

Group Long Term Disability (LTD)

STD, LTD, Life, Accident, & Critical Illness

Basic paycheck protection with no medical questions.

For groups with two (2) or more members.

100% Income Replacement Disability Insurance

Add value for employees with discounts and relaxed underwriting while keeping business overhead lean.

For groups of 3 or more - ongoing participation not required

Young woman at home sitting on modern ch

Group insurance is not enough, especially since employees have to pay for their own medical insurance premiums without an employer's subsidy.  IDI keeps them closer to normal.

Retirement Contribution Disability Insurance

Stay on track for retirement during a period of disability.

Key Man Disability Insurance

Keep the business afloat, cover the overhead, fund partner compensation or equity buy-out.

For closely held businesses.

Bonus Stock Equity Incentive Compensation Disability Insurance

Cover bonuses, equity pay, and other compensation that is not covered by group LTD.

For groups and individuals with incentive compensation.

Key Person Disability Insurance  Businss Overhead Buyout

Restore parity of income replacement ratios so that highly compensated employees are protected the same as rank and file employees.



Rip builds strong relationships with a genuine interest in supporting both our employees and our firm. Rip is thorough and thoughtful. He answers tough questions, documents decisions, and keeps us on track. With many things competing for my attention I couldn't ask for a better partner. 

Karen Wren

Director of Benefits

Point B

A national management consulting firm

bottom of page