The Advantages – Integrating Group and Individual Disability Protection

Advantages to the Employee

  • Guaranteed Standard Issue (GSI)
    • Limited medical underwriting
  • Portable Protection
    • The Executive can take the coverage if they leave
  • Permanent Protection
    • The premiums are guaranteed to never increase
    • The benefit levels are guaranteed to never decrease
  • More appropriate coverage for high income earners
    • Contract provisions are stronger
    • Coverage levels are higher

Advantages for the Employer

  • Helps build and maintain leadership talent
    • Great tool for recruiting, retaining, and rewarding senior leadership
  • Removes high risk levels form Core LTD plan (can help stabilize LTD rates)
  • Premiums are fixed and are offered at a discount
  • Stabilizing the leadership team can enhance the businesses credit worthiness

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Neither Kestra IS nor Kestra AS are affiliated with Executive Benefits Group, Inc., nor any other entity referenced herein. Neither Kestra IS nor its affiliates provide legal or tax advice and are not Certified Public Accounting firms.  

Investor Disclosures 

This site is published for residents of the United States only. Registered Representatives of Kestra Investment Services, LLC and Investment Advisor Representatives of Kestra Advisory Services, LLC, may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact our Compliance department at 844-5-KESTRA (844-553-7872). 

The above links are provided for your information only. As they are provided by third parties, Kestra Investment Services, LLC does not endorse, nor accept any responsibility for the content. Kestra IS does not independently verify this information, nor do we guarantee its accuracy or completeness.