DIANE R. ADAMS
INSURANCE AGENCY

Personal High Limit Disability Insurance

Group long term disability plans and individual disability plans through traditional carriers will typically leave a person underinsured when their income is $150,000 or more. At this level of income, the percentage of income replacement typically tends to slide from the needed 65% to levels much below. The solution is simple and easy with Personal High Limit Disability Insurance. Regardless of income, supplemental coverage can be issued to secure 65% to 75% of income replacement. From an additional $1,000 per month to as much as $250,000 per month or more is available. 

 

High Limit Accident Insurance

As much as we try to avoid them, accidents happen. No one anticipates having to manage the financial and emotional hardships that occur in the wake of an accidental death or life changing injury. However, with High Limit Accident Insurance, you can be prepared for the worst and eliminate the financial stress that accompanies a death or permanent disability due to a devastating accident.​

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Kidnap and Ransom Insurance

Imagine the overwhelming feeling of freedom and sheer joy that would be felt upon the release of a Kidnap victim. Now imagine the terror upon the realization that you are without insurance. Your company or your family had to pay the large ransom, purchase specialized phone equipment, hire security protection, hire a negotiator, and pay many more expenses, all of which were only made possible by liquidating ALL assets. In addition to this overwhelming amount of debt, in order to rejoin society the Kidnap victim may need extensive psychiatric counseling and rehabilitation.