Given that workers face the not-so-unlikely prospect of having a disability ruin their income potential – and run their retirement plans off the rails – some innovative solutions are required to help deal with that gap.

Pension Advisory Group, Inc. and Pro Financial Services have announced the debut of the Retirement Income Assurance Policy (RIAP), a new group long term disability insurance product. PAG is the Master General Agent for the RIAP program, while PFS is the Managing General Underwriter with full binding authority on behalf of Lloyd's of London.

The RIAP program addresses situations where employees become disabled before their normal retirement age and are no longer able to participate in their company's retirement plan.

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