Thomas M. Kukes, CLU, ChFC

Specialized Life Insurance Services

Non-cancelable guaranteed renewable

Guaranteed renewable only

Non cancelable – guar. renewable/list bill discounts

Employer sponsored Erisa plans

Business overhead expense

Disability buy-out

Key person disability income insurance

Group LTD

Group STD

Wage construction plans

Waiver of premium / life insurance

Disability Income Insurance

What is our purpose?Why are we doing this?What do people want us to do?What questions do they ask?

Where’s my money?

Claims I’ve ProcessedLawyer, 56 MD. heart disease on list for a transplant

Bus. Owner, 52 heart disease; list for transplant

Sales Rep, 52 Rheumatoid arthritis – cancer

Lawyer, 58 Motorcycle accident; lost leg

Lawyer Cancer

M.D. Pediatrics Heart attack

M.D. Alzheimer's; confined to home

M.D. OBGYN Cancer

PHD, Late 40s Cancer, can’t see patients or run office

Bus. Owner, 60 Cancer

Case #1➡ Lawyer➡ Age 42➡ Died➡ Never submitted a DI claim – policy

lapsed

Case #2➡ M.S. Gastroenterologist ➡ Ruptured disc in thoracic spine➡ Emergency surgery➡ Claims analyst said medical dpt. said

medical dept. didn’t think his problem was bad enough to warrant collecting

Case #3➡ 60➡ M.D. OBGYN➡ Arthritis➡ Swollen hands can’t put on 2 sets of

gloves

Case #4➡ Lawyer➡ 55➡ Broke both legs – collected total➡ Went back to work and collected

partial➡ Company said they paid too much &

want some of their money back based on law firms earnings of which he owned 33%

➡ Almost went to litigation

Case #5➡ M.D. OBGYN➡ Back & neck disorder surgery➡ Partially disabled➡ Does family practice only and says

he’s totally disabled

Thank You