313-971-1855
Greene Business and Financial Services L.L.C.
Products
Life, Auto and Property Insurance
Business Expense Power
This business expense DI policy reimburses you monthly for eligible fixed business expenses should you become sick or hurt and Totally Disabled.
Eligible business expenses that may be covered by Business Expense Power® include lease or rent payments, utilities, office maintenance and repairs, billing and collection fees, depreciation, mortgage and loan interest, property and payroll taxes, property and liability insurance, employee salaries (except those of the insured, someone who replaces the insured, and any family member working less than 3 months), postage, professional service fees, dues and subscriptions.
Premiums are generally tax deductible as a business expense.
Guaranteed renewable to age 67, which means as long as premiums are paid, the policy cannot be canceled
Receive base benefits in addition to Social Security or workers’ compensation
24-hour coverage, 7-days a week, on or off the job
Personal Paycheck Power
This individual DI policy provides a benefit to help pay your basic monthly living expenses should you become sick or hurt and Totally Disabled1.
Some basic monthly expenses that you could use a Personal Paycheck Power® benefit to help pay for include mortgage, rent, utilities, groceries, car payments, child care or credit card balances.
Guaranteed renewable to age 67, which means as long as premiums are paid, the policy cannot be canceled
Receive base benefits in addition to Social Security or workers’ compensation
24-hour coverage, 7-days a week, on or off the job
Coverage if you are Totally Disabled from your own occupation for a specified period of time (generally two years but may be shorter) and then Totally Disabled from any occupation
Final Expense Insurance
Over the years, there have been many ways you’ve shown your family you love them. And now, you’d like to give your family a little more security by helping to ensure your financial obligations are fulfilled after you’re gone. With Path Protector® Final Expense from Illinois Mutual, you can design an effective plan that fits your needs.
Path Protector® Final Expense offers you two whole life policies from which to choose. Both offer guaranteed premiums and a guaranteed death benefit.
Whole Life Insurance
Path Protector® Whole Life offers lifetime coverage with premiums, death benefit and cash values guaranteed for the life of the policy as long as premiums are paid in a timely manner. Whole life insurance can be a valuable asset within your overall portfolio that builds value over time to protect your financial goals in the event of your premature death.
Return of Premium
Path Protector® Return of Premium Term offers the best of both worlds – life protection if you need it, money back if you don’t.
Return of Premium Term is available for face amounts of $25,000 to $250,000. If the policy is in force when the initial term period ends and its terms have been met, 100% of your Returnable Premium will be paid back to you as a Return of Premium Endowment Benefit!
The maximum Returnable Premium amount is the sum of the annual premiums you’ve paid from the time you first purchased your policy through the last day of the initial term period. Additional premiums paid for riders, supplemental benefits, and rated policies are not included in Returnable Premium calculations.
It is your choice how you use your Return of Premium Endowment Benefit! Some people choose to put these funds towards retirement or towards paying off a mortgage. Others use it for debt reduction or to pay off business loans.
Term Life Insurance
Path Protector® Term Life is a guaranteed premium term life insurance policy, renewable to age 95. Premiums are guaranteed level for the initial term period of 10, 15, 20 or 30 years. The policy may be renewed after the initial term period at annually increasing rates until age 95.
Maximum amount of coverage for minimum amount of cost
Ideal for specified period of time
Flexible coverage periods
Can be renewed without proving insurability
Can be converted to a permanent policy without proving insurability
Provides a financial bridge when protection need is high and budget is restricted
