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Why Top Advisors Are Quietly Adding Disability Insurance to Their Practice

Posted on September 8, 2025 by ecrowe
In the competitive world of financial advising, the best advisors are always looking for ways to add value, deepen client relationships, and build long-term revenue. One tool that many overlook—but top advisors are quietly embracing—is disability insurance (DI). Despite being a highly underutilized solution, DI provides a strategic advantage for advisors who want to differentiate
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Posted in Uncategorized

5 Signs Your Business Owner Clients Need Disability Insurance (But Haven’t Told You Yet)

Posted on September 8, 2025 by ecrowe
Business owners are some of your most valuable clients—and also some of the most financially vulnerable. While they’re often well-protected with life insurance, many overlook a critical piece of the puzzle: disability insurance (DI). The reality is simple: if a business owner can’t work, the business—and everyone who depends on it—is at risk. Disability income
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      Client’s Name:

      Client’s DOB:

      State of Residence:

      Gender:

      Tobacco Use?

      Occupation:

      Title/Duties:

      Benefit Period:

      Elimination Period (days):

      Current Year Income: $

      Income 2 years ago: $

      If business owner, how long?

      Percentage of manual duties:

      If less than one full tax year in business:

      Former Occupation/Duties:

      Former Salary: $

      Coverage In Force (fill all appropriate fields)

      Is there Group LTD?

      Replacement Percentage:

      Benefit Group LTD Cap: $

      Benefit Amount: $

      Is there Individual Disability Income coverage?

      Any health problems? Currently on any medications or counseling? Height weight ratio? Any special notes?

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