Disability Business Overhead Expense
Disability Business Overhead Expense
Jason Stolz CLTC, CRPC, DIA, CAA
Business Overhead Expense insurance — most commonly called BOE insurance — is one of the most overlooked and most critically important protections available to business owners and professional practice operators. Personal disability insurance is designed to replace your household income if you become unable to work. BOE insurance solves a completely different problem: it reimburses the business itself for its fixed operating expenses — rent, staff payroll, utilities, equipment leases, and essential services — so the company continues functioning while you are disabled, without forcing the rushed, damaging decisions that come from running out of operating capital during a health crisis. The business you built does not pause because you are injured or ill. The lease obligation, the payroll cycle, and the vendor contracts continue on schedule regardless of whether you can walk into the office. BOE insurance is the product specifically designed to keep those obligations funded while you recover, make decisions, or implement a leadership transition. At Diversified Insurance Brokers, Jason Stolz, CLTC, CRPC, DIA, CAA helps business owners coordinate BOE coverage with individual disability insurance and key person planning so the protection addresses both the personal income dimension and the company operating dimension of the same disability event. Our resource on disability insurance for high earners and business owners covers the complete income protection framework within which BOE is most commonly structured, and our resource on disability insurance for the self-employed covers the personal income protection foundation that makes BOE coverage most effective when layered alongside it.
Request a BOE Insurance Quote
We estimate your eligible overhead, design the right elimination and benefit period for your business model, and compare options across carriers so BOE coverage matches your actual fixed cost exposure.
Request a BOE QuoteBOE Insurance — Eligible vs. Ineligible Expense Reference
The most practically important question business owners ask about BOE insurance is: what does it actually cover? The answer determines the correct benefit amount, shapes the claims process, and defines whether the policy will genuinely keep the business funded during a disability or provide only partial relief. The table below maps the most common business expense categories against their typical BOE eligibility status — with the conditions and carrier-specific variations that affect real-world coverage.
BOE eligibility varies by carrier and contract language. Confirm specific expense eligibility with the policy language and your carrier representative before relying on coverage for any specific expense category.
| Expense Category | Typical BOE Eligibility | Conditions / Carrier Notes | Why This Matters |
|---|---|---|---|
| Office Rent / Business Mortgage | Eligible — standard core expense | Must be for business premises, not a home office deduction; lease must be in force at time of disability | Often the single largest fixed cost — a missed lease payment can result in default and eviction that permanently ends the practice regardless of eventual recovery |
| Non-Owner Employee Salaries | Eligible — typically the most substantial covered line item | Applies to employees who are NOT the disabled owner; owner salary or draws are specifically excluded; part-time and full-time staff typically qualify | Retaining staff during a disability is essential — experienced staff who leave during a disability often do not return when the owner recovers; turnover permanently disrupts client relationships and operational capability |
| Payroll Taxes and Employee Benefits | Eligible in most policies — treated as part of total employment cost | Employer-side payroll taxes (FICA, FUTA, state unemployment) and standard employee benefit contributions typically included; overly enhanced benefits or profit-sharing may vary | Total employment cost is significantly higher than base salary alone; a benefit sized only to cover base salaries will under-reimburse the actual payroll obligation by 20-30% |
| Utilities (Electric, Gas, Water, Phone, Internet) | Eligible — standard operating expense | Must be business-location utilities, not residential; internet and phone lines used for business operations qualify | Low individual cost but utilities termination (power, internet) rapidly makes a business location uninhabitable for staff and inoperable for clients even during a brief disruption |
| Equipment Leases and Loan Payments | Eligible for leases on business-use equipment; business loan payments may qualify under fixed operating cost provisions | Equipment used by staff to generate revenue (dental chairs, medical imaging equipment, office machinery) typically qualifies; vehicle loans may be limited depending on carrier language | Equipment lease defaults can result in repossession that permanently removes the production capacity of the practice regardless of the owner’s recovery |
| Business Insurance Premiums (Liability, Malpractice, Property) | Typically eligible — many carriers include business-related insurance premiums as reimbursable overhead | Malpractice, general liability, professional liability, property, and business interruption premiums generally qualify; the BOE premium itself is not reimbursable | Allowing professional liability or malpractice to lapse during a disability can create coverage gaps that expose prior work to uninsured claims even after recovery |
| Professional Services (Accounting, Billing, Legal) | Often eligible for essential operational services; varies by carrier and service type | Billing services, routine accounting, payroll processing, and ongoing legal retainers that keep the business operational typically qualify; strategic consulting or growth-oriented professional fees may not | Billing service interruption in medical or professional practices can halt revenue collection, creating a cash flow deficit that compounds beyond the direct overhead shortfall |
| Software and Technology Subscriptions (Essential Operations) | Eligible if essential to business operations; varies by carrier language | Practice management software, electronic health records, scheduling systems, and essential communications platforms typically qualify; growth-oriented or marketing software may not | Modern professional practices depend on software continuity — cancellation of practice management systems disrupts billing, scheduling, and clinical records in ways that are expensive and time-consuming to restore |
| Owner Salary / Owner Draws / Partner Distributions | Not eligible — this is the most important exclusion to understand | BOE is explicitly designed to cover non-owner business overhead; personal income replacement requires a separate individual disability income policy | The most common BOE design error is assuming BOE replaces personal income — it does not; owners must carry individual DI alongside BOE to protect both the household and the business simultaneously |
| Business Profit / Lost Revenue | Not eligible — BOE is not a revenue replacement policy | BOE reimburses overhead expenses actually incurred, not lost profits or revenue that would have been generated if the owner had been working | Understanding this limitation prevents the “make me whole” expectation that leads to disappointed clients — BOE keeps the business operational, not profitable, during disability |
| New Capital Expenditures / Expansion Costs | Not eligible — BOE covers existing fixed overhead, not new investment | Purchasing new equipment, leasing additional space, or investing in growth initiatives during a disability period are not reimbursable under BOE | BOE is a stabilization and continuity tool, not a growth financing tool — its purpose is to preserve what exists, not to fund expansion during a period of reduced capacity |
The table’s most important row for most business owners is the owner salary exclusion row — because it is the most common source of BOE design error and claims disappointment. BOE exists specifically to cover the non-owner operating costs of the business. Personal income replacement is a completely separate need that requires a separate individual disability income policy. Our resource on own-occupation disability insurance covers the individual DI design framework that addresses the owner’s personal income — the necessary complement to BOE coverage in any complete business owner disability plan. Our resource on disability insurance elimination periods explained covers the waiting period mechanics that affect both personal DI and BOE policies — including how to coordinate the elimination periods across both policies so coverage activates in the right sequence rather than leaving gaps in the early months of a disability when both types of protection are most urgently needed.
Why Business Owners Need BOE Coverage
Most small and mid-sized businesses carry more financial commitments than their owners fully appreciate until revenue slows unexpectedly. A sudden disability triggers a chain reaction: the owner’s production schedule disrupts, the sales pipeline slows, billing and operations strain, and clients begin to sense instability. Meanwhile, the fixed obligations continue arriving on schedule. Payroll runs on the same dates regardless of whether the office was fully productive. The lease payment clears on the first of the month regardless of whether the owner worked that month. Equipment lease payments are drawn automatically regardless of equipment utilization. The non-negotiable, contractual obligations create a predictable timeline of financial damage that begins immediately and compounds with each passing billing cycle that goes unfunded.
BOE coverage creates a critical buffer during that vulnerable period by reimbursing eligible overhead expenses for the benefit period — typically 12 to 24 months. That time buffer is the difference between surviving a disability and being forced into rushed, expensive decisions: liquidating assets at unfavorable terms, terminating staff who are genuinely difficult to replace, breaking leases that carry termination penalties, or allowing professional services to lapse in ways that permanently damage client relationships. The business that survives a disability with most of its staff, lease obligations, and client relationships intact has a realistic path to recovery. The business that depletes its reserves in the first 90 days covering overhead and then collapses into reactive cost-cutting may never fully rebuild. For professional practices specifically — dental offices, chiropractic practices, optometry practices, law firms, and accounting firms — BOE is particularly essential because the overhead structure (staff, equipment, lease, professional licenses) is significant and non-reducible without fundamentally altering the nature of the practice. Our resource on disability insurance for dentists covers the dental practice overhead structure in detail — an example that illustrates how quickly fixed costs create financial urgency when a solo or small-group practice owner is unable to work. Our resource on disability insurance for physicians covers the parallel situation in medical practices, where staff costs, malpractice premiums, and equipment obligations create substantial fixed overhead that cannot be paused regardless of the physician’s health status.
BOE vs. Personal Disability Insurance — The Coordination That Protects Both
BOE coverage and personal disability insurance solve adjacent but fundamentally different financial problems — and most business owners need both because a disability affects both worlds simultaneously. Personal disability insurance protects your household budget by replacing a portion of your earned income, allowing you to cover mortgage payments, personal expenses, and household obligations during the period you cannot work. BOE insurance protects the business by reimbursing eligible fixed overhead expenses so the company continues operating without depleting its cash reserves or collapsing under the weight of unmet obligations.
The coordination between the two policies matters as much as each individual policy. If a business owner carries strong personal DI but no BOE, the household is protected but the business may still collapse under mounting overhead — destroying the enterprise value the owner has spent years building, and eliminating the income stream that personal DI is designed to protect. If a business owner carries BOE but no personal DI, the business may survive but the owner’s household faces financial strain from lost personal income — often forcing the owner back to work before they have fully recovered, which extends the disability and increases the long-term business disruption. The plan that protects both is the plan that keeps the household stable, keeps the business operational, and allows the owner to recover at the medically appropriate pace rather than at the pace that financial desperation imposes. Our resource on disability insurance riders explained covers the benefit design options available on both personal DI and BOE policies — including residual disability provisions, cost of living adjustments, and future increase options that affect how both types of coverage perform across a long-duration disability.
How BOE Benefits Are Paid and Documented
Most BOE policies reimburse eligible expenses during a covered disability after the elimination period is satisfied. The reimbursement process is documentation-based: the business continues paying its overhead expenses as usual, then submits expense documentation to the carrier for reimbursement according to the policy’s eligible expense definitions and benefit limits. This is not a design flaw — the documentation requirement is what keeps the coverage clean and ensures benefits are paid proportionally to actual expenses rather than at a fixed amount that may exceed or fall short of real overhead in any given month.
The smoothest BOE claims occur in businesses that already maintain clean financial records: a consistent chart of accounts that clearly separates fixed operating expenses from variable or discretionary costs, organized payroll reporting, and predictable monthly invoices. Businesses with informal expense tracking or unclear separation between business and personal expenses can still qualify for BOE coverage, but part of thoughtful planning is ensuring that the documentation infrastructure exists before a claim is needed — not scrambling to reconstruct expense records under the pressure of a disability event. For professional practices like optometry or healthcare offices, the billing documentation requirements that already exist for clinical compliance purposes often create the same organized financial records that make BOE claims most straightforward to process. Our resource on disability insurance for optometrists covers the specific practice structure that makes BOE particularly valuable for vision care professionals, and our resource on disability insurance for CNAs and NPs covers the clinical support staff roles in healthcare practices where retaining essential licensed clinical staff during an owner’s disability is itself a critical BOE consideration.
Sizing the Right BOE Benefit — The Overhead Calculation That Matters
The most common BOE planning error is sizing the benefit amount by guessing or by using a budget number that excludes categories that are eligible under the policy. A benefit amount that materially understates actual fixed overhead leaves the business facing the same survival problem even with BOE coverage in place — the remaining unmet overhead still forces the rushed decisions that BOE was designed to prevent. The benefit amount should reflect a realistic, documented assessment of the fixed expenses the business must pay to remain operational and credible during the owner’s absence.
The practical overhead calculation starts with the monthly obligations that are contractually non-negotiable: lease payments, equipment lease installments, and any business loan payments that qualify under the policy’s fixed expense definition. The second tier adds the employment costs of non-owner staff: base salaries, employer payroll taxes (typically 7–10% on top of wages), and employer benefit contributions. The third tier adds the utility, insurance, and service costs that keep operations running: electricity and HVAC for the office, internet and phone, professional liability and business insurance premiums, billing service fees, and essential software subscriptions. The sum of these three tiers is the target monthly benefit amount that will genuinely keep the business funded during a disability. If the number is higher than expected, that is the correct number — it reflects the actual financial commitment the business carries every month regardless of revenue performance.
The elimination period — the waiting period before benefits begin — should be set based on how quickly the business would experience financial strain from unmet overhead if revenue slowed suddenly. A business with 90 days of operating reserves can absorb a 90-day elimination period before BOE benefits are needed. A business with 30 days of reserves needs a shorter elimination period to prevent damage before reimbursement begins. Matching the elimination period to actual liquidity is one of the most important design decisions in a BOE policy, and it requires an honest assessment of business cash position rather than a generic “standard” selection. For professional practices in specialized fields where the owner’s disability has direct clinical implications — such as dental practices or physical therapy offices where the owner performs the primary billable services — revenue can drop to near zero within days of a disability onset, making the elimination period selection especially consequential. Our resource on life insurance for business owners covers the complete business protection framework within which BOE is coordinated alongside life insurance and key person planning.
BOE Coverage and Business Partnership Planning
For businesses with multiple owners or professional partners, BOE coverage protects the shared operating expenses that continue regardless of which owner is disabled. In a two-physician medical practice or a two-partner law firm, a shared lease, shared staff, and shared operating systems mean that one partner’s disability creates overhead obligations for the entire practice — not just for the disabled partner’s share. BOE coverage on each partner ensures that the shared overhead remains funded even if one partner’s revenue contribution drops to zero during a disability.
BOE is the stabilization layer in a partnership disability plan — it keeps the practice running during the disability period. Our resource on buy-sell disability insurance covers the complementary ownership transition layer — the coverage that resolves what happens to the disabled partner’s ownership interest if disability becomes long-term or permanent. Our resource on partnership buy-sell agreement insurance covers the life insurance component of the buy-sell framework, and our resource on key person disability insurance covers the broader business continuity protection that addresses revenue and leadership impact from the same disability that BOE addresses at the overhead expense level. These three coverage types — BOE, buy-sell disability, and key person disability — form a complete business disability protection architecture that handles overhead stability, ownership continuity, and revenue continuity from a single disability event. Our resource on key person insurance for business covers the life insurance complement to key person disability — relevant for partnerships building a comprehensive plan that addresses both the disability and mortality risk dimensions for the same person.
Tax Treatment of BOE Premiums and Benefits
BOE insurance has a tax treatment structure that business owners generally find favorable relative to personal disability coverage. In most cases, BOE premiums paid by the business are treated as deductible business expenses — reducing the business’s taxable income in the years the premiums are paid. When a BOE claim is paid, the benefits received by the business are typically treated as taxable business income. However, since the benefits are used to pay deductible business expenses (rent, payroll, utilities), the taxable benefit income and the deductible expense payments frequently offset each other in practice, creating a net tax effect that is often close to neutral for many business structures.
The exact tax outcome depends on the business entity type, how the policy is structured, the specific expenses being reimbursed, and how the accounting is handled — factors that require confirmation with a qualified tax professional rather than reliance on general guidelines. Our resource on are disability insurance payments taxable covers the full disability insurance tax framework — including how the tax treatment differs between individually paid personal DI premiums (benefits tax-free) and employer-paid group DI premiums (benefits taxable) — context that helps business owners understand how the BOE tax structure fits within the broader disability insurance tax picture. For business owners evaluating whether BOE’s tax treatment affects the optimal policy design, coordinating the analysis with a CPA before finalizing the coverage structure is the most reliable path to accurate outcome modeling.
Who Benefits Most From BOE Coverage
BOE insurance produces its greatest value for businesses where two conditions are simultaneously true: the owner’s direct participation is central to revenue generation or clinical service delivery, and the business has meaningful fixed overhead that cannot be quickly reduced without permanently damaging the practice’s operational capacity or reputation. The most natural BOE candidates are professional practices in licensed fields — medical, dental, chiropractic, vision care, physical therapy, legal, accounting, and financial advisory — where the overhead structure includes staff, equipment, professional license-related costs, and leases that cannot simply be paused during a disability period.
Small business owners with lease obligations and staff payroll — regardless of industry — also represent strong BOE candidates when the owner is the primary producer or operational backbone of the enterprise. A sole-owner consulting firm, a contractor-led home services business, or a retail owner-operator all face the same structural problem: the overhead that enabled the business to operate does not disappear when the owner cannot work. The businesses that survive disability events most intact are almost always those that had a funded continuity plan in place before the event occurred — and BOE is the coverage specifically designed to provide that funding. Our resource on disability insurance for high earners and business owners covers the full spectrum of income and business protection strategies for business owners across different income levels and business structures.
Compare BOE Coverage Options
We estimate your eligible overhead, design the right elimination and benefit period for your business model, and compare carriers so the coverage matches your actual fixed cost exposure and coordination with personal DI.
Request a BOE QuoteRelated Pages
Core disability resources, personal DI education, long-term care planning, and specialized underwriting guides.
Financial Protection Essentials
Specialized coverage, disability rate comparison, international travel protection, and vision insurance resources.
Talk With an Advisor Today
Choose how you’d like to connect—call or message us, then book a time that works for you.
Schedule here:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: Disability Business Overhead Expense Insurance
How is BOE insurance different from personal disability insurance?
Personal disability insurance is designed to replace a portion of the owner’s personal earned income — protecting the household from the financial impact of the owner being unable to work. BOE insurance is designed to reimburse the business for its eligible fixed operating expenses — protecting the company from the overhead obligations that continue regardless of whether the owner can work or generate revenue. Both cover disability as the triggering event, but they address completely different financial exposures from that event. A business owner who carries only personal DI will have their household protected but may watch the business collapse under unmet overhead obligations during a long disability. A business owner who carries only BOE will have the business’s overhead addressed but may face personal financial strain from lost personal income — often forcing them back to work before medically appropriate recovery is complete. The strongest plans carry both policies, coordinated so that personal DI covers the household income gap and BOE covers the business’s operating cost obligations simultaneously. Many business owners also layer key person disability insurance for broader business continuity protection alongside personal DI and BOE. Our resource on key person disability insurance covers how those three layers work together in a complete business disability protection plan.
How long do BOE benefits last?
Most BOE policies offer benefit periods of 12, 18, or 24 months — shorter than the “to age 65” or “to age 67” benefit periods common in personal disability income policies. This shorter duration is intentional: BOE is designed to cover the critical business survival window when the owner is disabled, not to fund the business indefinitely. During the BOE benefit period, the owner either returns from disability, implements a management solution (temporary leadership, partner coverage, or associate hire), sells or transitions the practice, or makes a structured wind-down decision if recovery is not anticipated. BOE provides the financial runway to execute those decisions calmly rather than under the pressure of unpaid overhead obligations. For most small professional practices and owner-led businesses, the 12 to 24 month window covers the most consequential period of business vulnerability. The choice between 12 and 24 months should reflect how long it would realistically take to either return to productive capacity or implement a successful leadership transition — including recruitment timelines, onboarding periods, and client relationship transfer time for specialized practices where relationships are highly personal and require careful management.
Does BOE insurance cover the owner’s salary or personal draws?
No — this is the most important exclusion to understand in any BOE policy. BOE coverage is explicitly and specifically designed to reimburse non-owner business overhead expenses. The owner’s personal salary, draws, or distributions from the business are not eligible expenses under a BOE policy, regardless of how those payments are structured or classified. This exclusion exists because BOE was designed as a business protection product rather than a personal income replacement product — and the two needs require separate coverage. An owner who attempts to use BOE as their personal income replacement will be disappointed at claim time, because the BOE benefit will reimburse rent, staff payroll, and utilities while leaving the personal income gap entirely unfunded. The correct structure combines a separately owned personal disability income policy that covers the owner’s income replacement need alongside the BOE policy that covers the business overhead — each policy doing its specific job without attempting to serve both purposes.
What expenses does BOE typically reimburse?
BOE policies reimburse eligible fixed operating expenses of the business, which commonly include: office rent or business mortgage payments for the business premises; non-owner employee salaries, wages, and associated payroll taxes and benefit contributions; utilities for the business location including electricity, gas, water, phone, and internet; equipment leases for business-use equipment; certain business loan payments that qualify as fixed operating costs under the policy language; professional liability, malpractice, general liability, and property insurance premiums; essential professional services that keep the business operational such as billing services, routine accounting, and ongoing legal retainers; and essential software or technology subscriptions that are necessary for day-to-day operations. The eligibility reference table on this page maps these categories in detail with the conditions that affect real-world eligibility. Expenses that are not covered include the owner’s personal salary or draws, business profit or lost revenue, new capital expenditures, and any expenses that represent growth investment rather than ongoing operational necessity. Policy language varies by carrier, and confirming the specific eligible expense definitions in any policy before purchase is essential to ensuring the coverage matches the business’s actual overhead structure.
Can BOE premiums be deducted as a business expense?
In most cases, yes — BOE premiums paid by the business are treated as deductible business expenses, reducing the business’s taxable income in the years the premiums are paid. When a BOE claim is paid, the benefits received are typically treated as taxable business income. However, since those benefit payments are used to pay eligible business overhead expenses — which are themselves generally deductible — the taxable benefit income and the deductible expense payments frequently create a practical offset that reduces the net tax impact of the claim. The exact tax outcome depends on the business entity type, how the policy is structured, the specific expenses being reimbursed, and how the business’s accounting handles the income and expense recognition — factors that require confirmation with a qualified tax professional rather than reliance on general descriptions. This is notably different from the tax treatment of personally owned individual disability income policies, where premiums are paid with after-tax dollars and benefits received during a claim are generally tax-free. Understanding which treatment applies to which policy type is an important part of coordinating personal DI and BOE in a complete disability protection plan.
Who is BOE coverage best suited for?
BOE coverage is most valuable for any owner or professional whose business has significant, non-reducible fixed overhead and whose personal involvement is central to the business’s revenue generation or service delivery. The most natural candidates are: solo and small-group professional practices in licensed fields — medical, dental, chiropractic, optometry, physical therapy, occupational therapy, legal, accounting, and financial advisory — where the overhead structure includes staff, equipment, professional license costs, and leases that represent genuine fixed obligations regardless of clinical volume; small business owners with staff, lease obligations, and ongoing contracts whose personal capacity is the primary driver of revenue and client relationships; and professional partnerships where shared overhead continues at full cost even when one partner cannot work. BOE becomes progressively more valuable as the ratio of fixed overhead to revenue increases — businesses with lean overhead and low staff costs may find that savings or a business line of credit adequately addresses a short disability, while practices with heavy staff payrolls and long-term leases have immediate and substantial exposure that only dedicated coverage can address efficiently.
How should BOE coordinate with buy-sell disability planning in a partnership?
In a multi-owner practice or partnership, BOE coverage and buy-sell disability planning serve complementary but distinct functions that together address the full business impact of a partner disability. BOE keeps the practice’s shared overhead funded during the disability period — ensuring rent, staff payroll, and operating expenses continue to be met even while the disabled partner contributes nothing to revenue. Buy-sell disability planning addresses what happens to the ownership structure if the disability becomes long-term or permanent — providing the contractual framework and funding for an orderly ownership transition if the disabled partner cannot return to their contributing role. Without BOE, the practice may collapse under overhead pressure during the disability before any ownership transition can even be evaluated. Without buy-sell disability planning, the practice may survive the operational disability period but be left with an unresolvable ownership imbalance where active partners carry the business while a disabled partner retains economic rights without contributing. The cleanest partnership disability protection plan layers all three components: personal DI for each partner’s household income, BOE for the shared overhead, and buy-sell disability for ownership continuity. Our resources on buy-sell disability insurance and partnership buy-sell agreement insurance cover the design and coordination of those ownership transition layers in detail.
What elimination period should I choose for BOE coverage?
The elimination period for BOE coverage — the waiting period between disability onset and benefit payment — should be selected based on how quickly the business would experience genuine financial strain from unmet overhead if revenue slowed or stopped suddenly. This is a different question than the elimination period choice for personal disability insurance, because the business’s cash flow tolerance and the owner’s personal financial reserves are separate variables. A business with 60–90 days of operating reserves in dedicated accounts can comfortably absorb a 60 or 90-day BOE elimination period before overhead obligations become critical. A business that operates lean with 30 days or less of operating reserve may need a 30-day elimination period to prevent rent and payroll from falling behind before BOE benefits begin. The practical framework is: assess the business’s current liquid reserves, identify how many weeks of overhead those reserves would cover if revenue stopped entirely, and set the elimination period no longer than that window. Matching elimination periods between personal DI and BOE is also worth considering — if personal DI has a 90-day elimination period and BOE has a 30-day period, the BOE benefit will be reimbursing business overhead for 60 days before personal income replacement begins, which may be appropriate if the business overhead obligation is more urgent than the personal cash flow pressure during the early disability period.
About the Author:
Jason Stolz, CLTC, CRPC, DIA, CAA and Chief Underwriter at Diversified Insurance Brokers (NPN 20471358), is a senior insurance and retirement professional with more than 25 years of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, Group Health, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, as well as his agency's featured coverage in Kiplinger— highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient. Visitors who want to explore current annuity rates and compare options across multiple insurers can also use this annuity quote and comparison tool.
Explore More Disability Insurance Options: Browse our complete guide to Disability Insurance for the Self-Employed & Business Owners — covering independent contractors, business overhead, guaranteed issue group, 1099 workers & entrepreneurs from 100+ carriers.
Editorial Standards: Diversified Insurance Brokers maintains rigorous editorial standards to ensure accuracy, clarity, and independence in all content. Learn more about our editorial standards and commitment to transparency.
