info@dipp.live
Have a disability policy? DIPP is additive to your policy and provides additional protection.
Think about how you spend your income – you have a mortgage to pay, car payments, utilities, groceries. And that’s just scratching the surface. If that income were gone tomorrow how long would you survive?
If the unthinkable happens, you and your loved ones can still maintain the lifestyle you are accustomed to.
Dr. Freeman was the best doctor in town, he ran a very successful practice. He gave his family the life they had always dreamed of. Big house, fancy cars, exotic vacations, and thriving bank accounts. However, Dr. Freeman failed to plan for the unexpected and after a horrific car accident, he was left without the use of his right arm.
No longer able to work Dr. Freeman survived for a while off his savings. Eventually, he was forced to trade in cars, downgrade his home, and ultimately lost his lifestyle. What could he have done differently?
Dr. Wiseman prepared himself for tough financial storms. He protected his number one financial asset (his income). When he got sick and was no longer able to work he kept his cars, his house, and maintained his lifestyle.
Dr. Wiseman prioritized not only his current lifestyle but built a shelter to maintain that lifestyle against the unexpected. He was able to do this all for less than a dollar a day.
Your patients should get their health examined annually, right? Likewise we perform an annual wellness check to make sure your financial future is still protected.
Just like taking care of your health, we believe you should check your financial protection program at least once a year.
Beat inflation with an
average yearly return of 6%
Tax-free income in
retirement
An optimized emergency or opportunity fund that
provides liquid access to protected funds with
significantly higher returns than your local bank.
Stream of income in
retirement, plus full coverage
if something happens
Here we want to evaluate your current situation and determine how you can benefit from what we have to offer. If this isn’t a good solution for you then we will let you know.
Once we have established a need, together we will run scenarios to see what coverage is best to protect you and your family. At this point, we will cover some basic questions to make sure that you can qualify. There are a couple of things that can disqualify you.
You are protected with a 10-day risk-free trial, and have no obligation the first month. If at any point you don’t feel this meets your needs, just let us know.
Here we want to evaluate your current situation and determine how you can benefit from what we have to offer. If this isn’t a good solution for you then we will let you know.
Once we have established a need, together we will run scenarios to see what coverage is best to protect you and your family. At this point, we will cover some basic questions to make sure that you can qualify. There are a couple of things that can disqualify you.
You are protected with a 10-day risk-free trial, and have no obligation the first month. If at any point you don’t feel this meets your needs, just let us know.
You give your blood, sweat, and tears daily to your clients, your staff, and your family. At the end of the day, there is nothing left to give to yourself. One more decision will push you to the brink. It’s important to protect your most vital asset, your income, but how? This is where we come in.
Our president André Scroggie felt unfulfilled in his entrepreneurial career as a computer engineer, financial advisor, and a realtor until he found income replacement assistance. Andre and his staff feel a passion for helping their clients and working in their best interest. They have one goal in mind and that’s finding the best product at the lowest rate for each of their clients. Will your financial future be the next protected?
(English)
André worked as a Computer Engineer before leaving the field to go into Real Estate and mortgages. He then transitioned into insurance, first at a life insurance brokerage, then opening a State Farm office. After a year, André decided to work directly for the clients, working solely in their best interests to find the best fitting company/product for his clients’ needs by creating Neoterra Insurance Services, Inc. in 2013.
(English/Spanish)
Kevin Caballero spent over 7 years in technical and service industries before transitioning into financial services in 2018. He specializes in income protection, retirement planning, and legacy strategies, helping families safeguard assets and reduce tax exposure. Kevin is known for his analytical, client-focused approach to building long-term financial security.
(English/Indonesian)
Agustin Bowdry has more than 10 years of experience and transitioned into financial services in 2013. As an agency owner, he specializes in life insurance solutions and income replacement strategies, helping individuals and families stay financially protected during critical life moments.
(English/Tagalog)
Michael Lapuz brings more than 10 years of professional experience and transitioned into financial services in 2014. He specializes in retirement planning, income protection, and tax-advantaged wealth strategies. Michael is committed to educating clients and helping them make informed decisions to achieve lasting financial stability.
(English)
Sean Spengler has over 8 years of experience in financial services and began his career in the industry in 2016. He specializes in retirement planning, asset protection, and financial education, helping clients clearly understand their options and plan confidently for the future.
(English/Spanish)
Carolina Astrada spent over 15 years in top corporate environments before transitioning into financial services in 2011. She specializes in retirement planning and asset protection, helping clients preserve their savings and reduce exposure to market risk. Carolina is known for her client-focused approach and commitment to building long-term financial security.
We like to ask our clients a few questions to determine if this is something you need.
This is completely situational and exactly what we want to chat with you about. Everybody has different needs and different lifestyle expectations once an income is lost.
This is another dependent question, but we are able to get many covered for as low as $20 a month.
If you are considering protecting yourself then we imagine you have lots of questions. Let’s connect today so we can discuss your unique situation and how we can benefit you.
Dr. Silva gets a terminal illness. There is an experimental treatment that she would like to try, but the cost is astronomical. She decides that she doesn’t have the financial ability to pay for that procedure. Her focus is now to conserve what she has left for her family when she is gone.
Dr. Liu gets a terminal illness. She decides to pull one and a half million out of her protection plan. She uses $750,000 to get an experimental treatment in Europe and the other $750,000 to make up for her lost income and extra living expenses during the procedure and recovery. She has lost no income during this time and has even added decades to her life because of the successful procedure.
Dr. Kumar is in a car accident. He can’t work or take care of himself for a year while he recovers. While being unable to work, his income is now down to $0. Unfortunately, his wife is the office manager, and now her income goes to $0 as well. Even worse, he has no coverage for necessary care for things such as bathing, feeding himself, or other activities of daily living he can no longer do.
Dr. Ahmed after her car accident, is able to take $30,000 a month in tax-free income for her and her family’s needs. This $30,000 a month provides for her and her family and she doesn’t have to set foot in the office. This can be used for providing in home care for the year and just about anything else she wants.
Dr. Smith gets a critical illness. She has the ability to get an experimental treatment, but the cost will be out of pocket and she has to choose to take that money from the nest egg she has saved to take care of her family. She also doesn’t want to lose her income so she struggles to keep working while going through her treatments. Dr. Smith does have a disability policy, however, because she can still work, it has no payout.
Dr. Kim gets a critical illness. The stage 3 cancer has an experimental treatment that she can try out. She is able to pull out up to 1 million dollars tax-free to replace her income as well as pay for the experimental treatment.
Dr. Freeman and Dr. Wiseman are old friends from medical school. They decide to go skiing together in Telluride. While there they both get into a skiing accident. Dr. Freeman becomes partially paralyzed due to the accident. Unable to work, his income has now gone to $0.
Dr. Wiseman was in the accident as well and incurred a brain injury that will take him several years to recover from. Traditional life insurance won’t cover something like this as the injury was not fatal. Dr. Wiseman’s protection plan, however, can replace his lost income and protect him while he recovers over several years.