Overhead expenses don't stop just because you become disabled. Don't divert your Long Term Disability benefits to pay for business expenses.

Business Overhead Expense insurance is an economical way to pay many fixed business overhead expenses when you are totally disabled, such as:

• Office rent and leased equipment
• Employees' salaries and insurance plans
• Heat, electricity, water and telephone
• Taxes
• Insurance Premiums (including malpractice or legal liability insurance)
• Depreciation and other fixed overhead expenses necessary to the normal operation of your office

Monthly Benefit Amount:

Under Age 50 Up to 15,000 per month
Age 50 to Age 60 Up to $10,000 per month

Underwritten by: First Unum Life Insurance Company (rated "A-" by A.M. Best and Company)