Add Comment Question: I am 60 years old on LTD ensured to 75% of my wages. I would like to start a small business and would like to approach my insurance company for a buyout and or fully retire from my company to help finance this venture. How do I approach them and would they continue topping up my income if I retire? Answer: Unfortunately it is highly unlikely that if you approach your insurer that they’ll agree to a buyout. In fact, they may place your claim under a microscope and potentially cut you off. Be careful. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.