Thomas L. Deleot CLU ChFC



1018 Brookstown Ave
Winston Salem, NC 27101


336-723-0014 ,Cell: 336-403-7904





Executive Disability Income Insurance


Most group disability plans are designed for the rank and file. Usually only base pay is covered and the benefit is usually taxable. Although adequate for the rank and file employee, policy definitions do not address the needs of the highly compensated. Group disability is not portable. 

Executive Disabity Income Insurance has more liberal definitions that meet the needs of the highly compensated. Monthly benefits when added to the group plan gives the highly compensated benefits that are up to 80% of after tax income. Premium discounts can be as high as 35. The discount is portable and premiums can never go up.