Did you know your clients are 3x more likely to become disabled then to die during their working years?

The #1 reason brokers give for not presenting disability income to their clients is the underwriting process is too difficult; and as a consequence, it creates a negative relationship with their clients. It may be time to consider simplified underwriting.

Thirty-five percent of disability claims are partial/residual. A partial disability due to an illness or injury may prevent a person from performing some of his or her specific duties or working in full capacity which usually results in a partial loss of earnings. Depending on the extent of the partial disability or its duration, it