Business Planning with Disability Insurance

Thursday, May 15, 2025   l   2:00 PM EASTERN / 1:00 PM CENTRAL   l   ZOOM

Join us on May 15th to hear from three expert panelists as they talk about business planning with Disability Insurance.

Learn where the opportunities are to help small and medium size businesses plan for the unthinkable, a health event that affects the entire business. Income Protection, Business Protection and Business Succession/Continuation all need to be planned for. Disability Insurance, Overhead Expense, Business Loan Protection, Key Person Replacement and Disability Buy-Out are all valuable tools to solve the problems these businesses face.

About Our Panelists

Christopher T. Steffl

Managing Partner, Versatile Insurance Services

Christopher is a seasoned entrepreneur based in Edina, Minnesota, with a strong background in finance and a passion for empowering individuals to achieve financial security and peace of mind. He earned his finance degree from the University of Minnesota's Carlson School of Management.

Chris Steffl established Versatile Insurance Services, a wholesale organization that provides training and support for advisors and insurance agents. Through education, mentoring, and strategic planning, Versatile helps advisors grow their practices while delivering tailored financial solutions to individual clients. Chris's expertise spans estate planning, life insurance, long-term care, and annuities, focusing on ensuring clients make informed decisions about their financial futures.

Chris also co-founded CyberFin, which protects individuals and small business owners from cyber threats.

Chris lives in Edina with his wife, Tanya, and their children, Piper and Ashton. As a family, they are active in the local hockey community and enjoy traveling and discovering new adventures together.

Ron Staebell

Senior Financial Services Rep, Principal Securities Registered Rep, Investment Adviser Rep, Principal

Ron has been in the financial industry since 1972. He joined Principal in 2009 with 35 years of experience with other financial services companies. Ron is a 42 year member of the Million Dollar Round Table. Ron specializes in businesses, disability, retirement and special needs. He has a BS in Business Administration from Northern State University and a Masters of Science in Financial Services from the American College.

Ron holds the following designations: CLU, ChFC, RICP, AEP, LUTCF and MSFS. FINRA 6, 63 securities registrations and Life and Health Insurance. 

Ron enjoys spending time with his wife Virginia, their 6 children and 9 grandchildren. He enjoys fishing, golfing and reading a good book. 

Dave Toeben

President, Insight Insurance Services

Dave is the founder of Insight Insurance Services and has spent over 25 years helping business owners and their advisory teams navigate the intersection of insurance and long-term planning. His work focuses on strategies that support business continuity, key employee retention, and multi-owner succession planning.

Dave frequently collaborates with CPAs, attorneys, and financial advisors on issues like Buy-Sell Agreements, Key Person Insurance, and executive compensation especially for closely held businesses and high-net-worth families.

He’s been particularly active in helping professionals interpret the implications of the recent Connelly v. U.S. Supreme Court case, which has reshaped how life insurance is treated in Buy-Sell Agreements and estate valuations. He brings a practical, scenario-based approach to these conversations, making complex ownership and planning considerations more accessible to insurance professionals and their clients.

Through Insight Insurance Services, Dave serves as a behind-the-scenes resource, helping Life and Disability specialists deepen their conversations with clients and structure solutions that align with both business needs and personal goals.

REGISTRATION:

Register online via the IDIS website, or contact Executive Director Joe Pittman at [email protected] or 402-397-0280 and he will add you to the registration list. Watch your email for registration confirmation and a Zoom link.

UPCOMING EVENTS: 

June 19, 2025: TBD

July 24, 2025: TBD

Webinars are generally held the third Thursday of each month.  If you have suggestions for potential topics and/or speakers, please contact Programming Chair Susan Ondack at 720-602-0570 or [email protected]. 

QUESTIONS or ISSUES WITH REGISTERING ONLINE? Contact Executive Director Joe Pittman at [email protected] or 402-397-0280 cell and he will sign you up.

Tickets

$0.00 Member: FREE

$0.00 Non-Member: FREE (Non-members can attend up to two Study Group programs at no charge before Membership is required)