General Contractors

Market Watch

Small business owners are an integral part of the nation’s economy and individual disability insurance sales, as they rank in the top occupations seeking coverage. Each situation is typically different, so fact-finding about your potential client’s business is critical when trying to get a sale. Reviewing both your client’s personal and business expenses is essential to providing the right amount of coverage when they need it most.

  • Rank in the top 5 in occupations seeking disability coverage 

Client Scenario

Robert is a 52-year-old general contractor out of Sugarland, TX. He has spent the past 10 years growing his business and being a father (in no particular order). He is a single dad with two kids, and work-life balance can be as challenging as changing building codes and permit approvals.

Robert’s net annual income is $46,000 a year, and his business has a net income of $100,000.

Occupation Class: 4A (Business Owner Upgrade) | Non-smoker


As the sole provider for his children, Robert’s risk is real if he gets injured on the job. He has 15 years left on a $250,000 mortgage. His children are about to enter college. He has taken on some credit card debt to fund equipment and supplies needed between jobs.


Protecting Robert’s business is essential to the financial security of his family. Robert applies for an individual disability insurance plan with a monthly benefit of $2,800 for two years with a 90-day elimination period to cover his salary needs. He also takes out a monthly benefit of $15,000 in Business Overhead Expensedisability income insurance to cover the operational expenses of his business. If something were to happen to Robert, this would allow him to hire someone to keep his company running while he is getting back on his feet.

$66.50 per month for his Century+ Individual Disability Insurance policy $165.88 per month for Business Overhead Expense, 1-year benefit,

or $231.48 per month for Business Overhead Expense, 2-year benefit
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Watch DI Underwriting in Under a Minute — Small Business Owner

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Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.

Policy Form Nos. I H0920 and A-D106 underwritten by Assurity Life Insurance Company, Lincoln, NE.