Imagine you are driving down the highway, listening to the local news. The big news of the day is the closing of the local textile mill at which you worked as a college student. Many of your neighbors and relatives were employed (some for decades) at the mill; an employer of choice in town for over 100 years. What will happen to the thousands left jobless (including family and close friends and all the other local businesses employing people whose livelihoods depended upon the plant) by the plant closing?

If you are Bill Graham, you begin to consider all the different situations workers encounter during their peak earning years that can have adverse impacts for them and their families. Then you take action, developing a solution that offers some stability for those adversely impacted by similar plant closings in the future.

Understanding that workers who become involuntarily unemployed are often re- employed at lower salaries, and the vast majority (95%) of all disabilities workers encounter are not job-related, you realize you can bundle three great benefits into a single product. This epiphany becomes the blueprint for Salary Gap Insurance.

In the past ten years Bill Graham developed and refined SALARYGAP® insurance. Given the uncertain economic climate faced by all workers, SALARYGAP® insurance is now as relevant today as it was back then.

SALARYGAP®  insurance helps you to prepare for the unexpected! In the event You experience a Disability, Involuntary Unemployment or Salary Gap caused by re-employment at a reduced salary, SALARYGAP®  will help You pay Your bills, like Your mortgage, rent, car loan, utilities or food! The benefit is payable to You and You can use it as needed.

To learn more about how you can offer SALARYGAP®, go to

Did you know . . ?

    • 65% of Working Americans could not cover normal living expenses even for one year if their employment income was lost.  And 38% could not pay their bills for more than three months1
    • Less that 5% of disabling accidents and illnesses are work-related, meaning 95% are not covered by Workers Compensation2
    • Workers with more than twenty years of experience in a prior job earn 20% less in their new jobs3