SafeguardWhat actually happens
month by month.
Three policies. Six months. One outcome that matters — whether the business you spent a decade building is still standing when you recover.
The default outcome
What most owners have
Built for owners like you
Month 1 — You're Hospitalized
Diagnosis arrives on a Tuesday. Surgery scheduled for Thursday.
Personal savings start covering business overhead immediately
Group disability pays partial salary after 30-day waiting period
Lump-sum benefit hits your account within 30 days — no waiting, no partial
Month 3 — Payroll Is Due
Seven people are waiting for direct deposits on Friday.
You liquidate retirement accounts or take emergency loans to cover payroll
Group policy covers your salary only — not the payroll you owe others
Benefit is structured to cover key-person payroll obligations, not just your income
Month 4 — Line of Credit Review
Your bank calls. Revenue is down 60%. They want to talk covenants.
Line of credit frozen or called. No cash to service debt or make payroll
Disability income doesn't satisfy business debt covenants — bank still calls
Lump-sum benefit can be deployed to satisfy debt covenants and preserve credit
Month 6 — Key Clients Reassess
Your three largest accounts represent 71% of revenue. They're getting calls from competitors.
No budget for retention, no capacity to service accounts — clients begin leaving
Policy doesn't cover client retention costs or revenue replacement from departures
Coverage designed around revenue replacement, including client relationship continuity funds
Month 9 — The Staff Decision
Your best people have been fielding calls from recruiters for months.
Core team accepts competing offers. Institutional knowledge walks out the door
No provision for key employee retention — group policy is personal, not business
Benefit can fund retention bonuses and interim leadership to hold the team together
Month 12 — Business Survives Your Recovery
You're cleared to return. Is there still a business to come back to?
Business closed or sold at distressed value. A decade of equity, gone.
Partial income received, but business infrastructure has deteriorated significantly
Business intact. Team retained. Clients served. You walk back in through the front door.
Verdict
Business fails
In 73% of cases
Business damaged
Significant structural loss
Business intact
You walk back in the front door
The gap is real. The question is what you do about it.
Get your personalized coverage gap report — free, in under 60 seconds.
The business survived.
Because the policy was built for owners.
These aren't recovery stories. They're continuity stories — the ones that only happen when coverage was designed around the business, not just the person.
"I had a cardiac event in March. By April, my accountant was telling me we had six weeks of runway. Safeguard's lump sum hit in 28 days. We made payroll. We kept our clients. I came back to a functioning business."
Marcus Delacroix
Delacroix Mechanical — HVAC & Plumbing
"My financial advisor had been pushing group disability for years. When I actually read the fine print — it covered my salary. Not my lease. Not my staff. Not the $340K line of credit my suppliers expected me to service. Safeguard was the only policy that understood what I actually owned."
Priya Nambiar
Nambiar Family Law Group
"The dentist down the hall from me had a stroke at 51. He had insurance. His practice still folded in eight months because the policy was personal — not business. I switched to Safeguard the same week. I'm 48. I don't take chances with a practice I spent 19 years building."
Dr. James Okafor
Okafor Family Dental — Chicago, IL
$2.4B+
Benefits paid to owner-operators
91%
Business continuity rate after claim
28 days
Average benefit delivery time
4,200+
Owner-operators currently covered