If you haven’t talked to your small business owner clients about disability income, it’s likely no one has. In fact, recent LIMRA studies indicate only 13% of small business owners have disability income insurance. Yet, who else needs to protect their ability to earn an income and the vitality of their businesses more than business

Almost all your clients understand the need for life insurance, and many approach you about buying life insurance. When you present life insurance, make a point to also present disability income. Unlike death, a disability may not be a certainty to your clients, but it is absolutely a sobering reality. The chances of becoming disabled