Jerry S. Pearlstein Insurance Ltd. Disability Program



10% Discount for any SBAC member company or individual that purchases Disability Insurance through the SBAC Member Discount program with the services of SBAC Silver Sponsor Jerry S. Pearlstein Insurance Ltd.

More claims are paid through Disability Insurance than Life Insurance.
Today over 50 million people will miss work because of illness or injury. Stress related problems like heart trouble, intestinal problems, emotional breakdown, back trouble are the main reasons that entrepreneurs are not able to run their businesses for 90 days or more.

How would you protect yourself against Disability’s Triple Threat?
If you became disabled, you must have a way to
1) keep your family’s lifestyle intact
2) keep your business’ door open
3) keep your business investment intact.

Individual Disability Income (DI) Insurance provides for your family if you become too sick or hurt to work, or too sick or hurt to work as many hours as you did before the illness or injury.

Overhead Expense (OE) Insurance reimburses you for fixed business expenses so you can help keep the doors open or sell your business with the least adverse impact.

Disability Buy-Out (DBO) Insurance funds a buy-sell agreement to buy out a disabled business owner (on a reimbursement basis). You can maximize the financial return when the business is transferred, while minimizing tax liability. This allows the remaining owner(s) and their family(ies) to receive the full value of the business.

SBAC wants every small business owner to keep their dream alive.
We do too. That’s why we thank the SBAC for allowing us to bring this very special discount to all of its members.

About Jerry S. Pearlstein Insurance Ltd.
We have been advocates for entrepreneurs in the areas of Health, Life, Disability, Long Term Care and Medicare Supplement insurance for over a decade. As small business owners ourselves we understand the risk management issues facing our clients. We work diligently to know products, laws and how companies work. We provide continual information in today’s rapidly changing insurance market. We establish relationships inside insurance providers to help us find answers to our clients’ problems. “Sustained Service” is our mission. We’re proud to be Silver Sponsors of the SBAC as they, too, serve the wonderful people whose hard work makes this country great: the small business owner.

Partners Rebecca Bloomfield and Jerry S. Pearlstein are always available to evaluate your insurance situation.

Contact us at 847-362-8888