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The so called Business overhead expense or the [BOE] insurance was intended to compensate a business for overhead expenses on the event when a business owner becomes disabled. This one is not similar as personal disability insurance which was usually to pay benefits from aged 65. business overhead expense rules is paying a shorter benefit from one to two years after the waiting exclusion period. This is basically considered that no business can stay open for more than two years when the owner is disabled and the business is either shut-downed or sold.

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