It’s hard to argue the value of a product that has paid out over $100M of benefits in a single year. And this is just the IDI claims from one carrier—Standard Insurance—which represents a small portion of the overall industry. This information does an excellent job of showing disabilities are not biased. They happen to people of all ages and occupations for a variety of reasons. Another important statistic to notice in this flyer is a third of the claims paid a partial benefit for all or part of the benefit period. The partial or residual benefit is a critical component in any DI contract.

When you discuss disability income protection  with your clients, share this piece to show the need for DI. It paints the picture well:

• Regardless of the occupation, your clients’ need to protect their paychecks.
• A variety of sicknesses and accidents can lead to disability claim at any age.
• Choose a disability income plan that provides a partial or residual benefit that does not require a period of total disability before it will begin to pay a benefit.
• An individual disability policy is the best paycheck protection available. So even if your clients have a group LTD benefit through work, they should supplement it with an IDI policy to insure maximum protection.

For more disability income tips and sales ideas, contact Steve Crowe at ext. 222, Ellen Crowe at ext. 223 or Brian Hettmansberger at ext. 230 Chris Bussey at ext. 220 or request a quote.