Disability Insurance Products

Disability insurance products available in the market place today.

Disability Insurance Income Protection Lock

• Guaranteed Standard Issue for Physicians!

Guaranteed Standard Issue disability insurance policies are now available for Physicians! Please give us a call to discuss 1-800-848-4421
Click Here To Download


• Reed & Reed Insurance Agency Product Guide

Reed & Reeds Product Guide provides info for all available products as well as an Occupation Written Guide, DI Claims Statistics and our DI Quick Quote tool for in the field use!
Click Here To Download


• Key Person Replacement Insurance

Why purchase Key Person Replacement insurance

  • Offers an efficient way to provide the funds to help handle the loss of a key employee due to a total disability
  • Benefits can be used at the discretion of the employer
  • Common uses include recruitment and training costs, temporary staff needs and short-term revenue replacement
  • The insured key employee is not limited in amount of Individual Disability Income insurance benefits he/she may qualify for from Principal Life.

DOWNLOAD: Key Person Replacement Flyer PDF


• Business Loan Protection Rider

A loan protection rider is available with a Business Overhead Expense plan providing your self-employed client a means to pay off a loan during a disability. This provision provides protection for:

  • Purchase of a practice, existing business, equipment, building and/or land
  • Expansion of the business or practice
  • Facility renovations and improvements
  • Increase in working capital or build up of inventory

DOWNLOAD: Business Loan Protection PDF


• Guaranteed Standard Issue

A great opportunity to offer multi-life clients the ability to purchase disability insurance as a supplemental plan to LTD,or stand-alone plan, on a guaranteed standard issue basis.

  • Available for blue or white collar workers
  • No underwriting involved

Contact us for details


• Business Owner Occupational Upgrade

Business owners showing a track record of earnings for a minimum of two to three years are eligible for an occupational upgrade saving them premium dollars.
DOWNLOAD: Business Owner Occupational Upgrade PDF


• Simplified Life

Available in amounts of $5000 to $25,000 for ages 18 to age 80
DOWNLOAD: Simplified Life PDF


• DI Retirement Security

Protect your clients retirement contributions currently being made, or contemplated for the future.
DOWNLOAD: DI Retirement Security PDF


• For the Physician

We now have a product which will allow Physicians who have $10,000 of individual, to have another $5000 of individual if they are a class 4A. If they have underlying group, then the participation is $15,000 regardless of the physician's occ. class.


• For the Nurse

Do you have a nurse who works less than 30 hours per week, but more than 20 hours? If so, we have a product available. Many hospitals employ their nurse population on other than a full time basis and working fewer than 30 hours. This is an opportunity to offer them an excellent individual plan.


• List Bill Discounts and More

20% discounts are available for three or more participants with some of our carriers.
We can offer a list bill for one person. A great way of initiating a payroll deduction plan without the burden of having to write 3 or more, or 5 or more to initiate it.