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​Best-in-class personal and business insurance solutions customized for CPAs, their families and firms.


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General Business Planning
Business planning services are consulting services that can cover a wide range of topics, such as inventory control, sales incentive programs, expansion plans, accounts receivable collection, and more. While general business planning advice can cover a wide variety of subjects, it does not include performing management, sales, or administrative functions on behalf of business clients, but rather consists of providing advice, recommendations and plans for action by the client.

Grace Period
The specified length of time, after a Life or Health premium payment is due in which the insured may make the payment and keep the policy in force. (Usually 30 days.)

Group Contract
A contract of insurance made with an employer or other entity that covers a group of persons identified as individuals by reference to their relationship to the entity.

Group Life Insurance
Insurance on the lives of several persons as a group, written under one contract called a master policy.

Group Creditor Insurance
Group life insurance purchased on the life of a debtor as protection to one who has loaned money or extended credit. The amount of the insurance at any point in time is the amount of the unpaid balance of the loan.

Guaranteed Renewable Contract
A contract that the insured person or entity has the right to continue in force by the timely payment of premiums for a substantial period of time, during which period the insurer has no right to make unilaterally any change in any provision of the contract, while the contract is in force, other than a change in the premium rate for the classes of policyholders.

This information should not be construed as legal advice or a legal opinion on any factual situation. This summary is for illustrative purposes and is not a contract. It is intended to provide a general overview, at the time first posted, of the topics described. Only the insurance policy can give actual terms, conditions and exclusions.