The Ark Group

Your Partner In Success!

Critical Insurance

" Not because you are going to die, but because you are going to survive."

                                          - Dr. Marius Barnard (Founder of Critical Insurance) -

Critical Insurance protects the plan.  To learn more,

Retirement Protection - Critical Insurance is the only product that can truly protect your retirement portfolio during the asset accumulation stage of life.  Many agents work hard developing a "plan" for their clients retirement, only to watch that plan go up in smoke when the client is diagnosed with a critical health condition and doesn't die.  All the effort by the agent and client to develop a plan is no good if it's not protected.

Income Protection - Disability protects your clients paycheck.  At least a percentage of their paycheck.  Considering only about 60% of your client's income is replaced with disability coverage (leaving 40% uncovered).  Disability policies are usually sold with a 90 day elimination period (benefits are always paid in arrears) often leaving months of no income.  Critical Insurance does not have the occupation restrictions that disability insurance does and it provides an immediate tax free, capital based way of replacing income.  It is easier to turn capital into income than it is income into capital.

Mortgage Protection - Why is it that banks request term insurance (as a kind of mortgage protection) when only 3% of mortgage foreclosures are due to a death?  Critical Insurance is the new kind of mortgage protection!  Considering 48% of mortgage foreclosures are due to a critical health condition, this coverage is imperative.

Key Person Protection - Your clients have employees who are responsible for management decisions, have special skills or relationships with customers, or have some other key attribute that would be hard to replace.  We need to make sure that in the event of a critical diagnosis, your clients have immediate options in finding and paying temporary/permanent employee replacements and help in preserving their client relationships.

Buy/Sell Protection - Fulfilling the need of business owners to protect their business in the case of a critical diagnosis of one of the partners.  The Buy/Sell product will help provide a tax free, capital based immediate funding for non-disabled owners to buy back shares of the business.

Our expertise in this product is well documented.  Here is an article written by AIG outlining a few examples of our training & expertise.

or