Why protecting income during life is just as important as protecting it after life. Most clients understand the need for life insurance — to protect their families if they pass away. But ask them this: “What would happen if you didn’t die — but couldn’t work for six months or a year?” That’s where disability

For most brokers, disability income (DI) insurance sits on the “someday” shelf — important, but not urgent. After all, it’s easier to focus on products clients already ask for, like life or health coverage. But here’s the reality: offering DI isn’t just good for clients — it’s a smart business move. When you introduce income

No one imagines getting sick or injured — and as brokers, we don’t want to make clients uncomfortable. That’s why many avoid the disability income (DI) conversation altogether. But here’s the truth: you’re not selling fear — you’re selling peace of mind. When positioned thoughtfully, disability income insurance isn’t about “what if something bad happens.”

Every client review is a chance to deepen trust — not just check boxes. But too often, brokers focus on performance and portfolio adjustments while missing the one thing that makes every financial plan possible: the client’s ability to earn an income. Disability income (DI) insurance isn’t just another product; it’s a lifeline. And the