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Business Overhead Expense Insurance is designed to cover business operating expenses if a business’s key person becomes disabled by an accident or illness. It's intended for operations with 10 employees or less showing a $10,000 minimum net profit for the past year. The coverage includes employee salaries, utilities, rent and other expenses that are generally accepted as tax-deductible.

Product Highlights:
Eligibility:	One year in business with net profit in last year of at least $10,000
Issue Ages:	18 through 60 (age nearest birthday)
Benefit Periods:	12 and 24 months
Elimination Periods:	30, 60 and 90 days
Occupational Classes:	4A, 3A, 2A
Maximum Issue Limits:	4A: $10,000; 3A: $9,000; 2A: $8,000
Renewability:	Guaranteed renewable to age 65
Features:	Own occupation definition of total disability Conversion privilege Presumptive Disability Benefit Partial Disability Benefit Rehabilitation Benefit Survivor Benefit Waiver of Premium Benefit
Payment Modes:	Annual, semi-annual, quarterly, list bill, monthly automatic bank withdrawal and credit card (recurring only)