ecrowe, Author at Personal Disability Insurance | Source Brokerage, Inc.

Differences in Disability Definitions

Posted on November 6, 2012 by ecrowe

The definition of disability is the single-most important factor to consider when discussing a disability income contract with your clients. It triggers the claim and determines under what conditions and how long a claim will be paid, so you and your clients need to understand the options.

Posted in Selling DI, Uncategorized disability income sales tips, individual disability income

Solutions for Business Owners in Manual Occupations

Posted on October 11, 2012 by ecrowe

Providing income protection for business owner clients in manual occupations can be a challenge. Individual disability income policies for these occupations with higher premiums, yet shorter benefit periods–usually 2-5 years–and fewer riders.

Posted in Selling DI, Uncategorized disability income sales tips, income protection, individual disability income

How Do I Advise My Client About Choosing the Right Disability Income Carrier?

Posted on September 27, 2012 by ecrowe

There are fewer disability income carriers in the marketplace than there were in the ’90s. However, there are several very good disability insurance companies that offer high-quality individual policies. How do you choose the right carrier for your client?

Posted in Selling DI

The Risk of Self-Insurance

Posted on August 8, 2012 by ecrowe

I speak to many producers who struggle with selling the need for disability income to their clients. Their clients believe that they can self-insure against disability (e.g. rely on spouses second income, borrow from credit cards, use savings). In every one of these cases, these individuals all make the following two mistakes:

Posted in Selling DI disability income sales tips, disability statistics, individual disability income

What’s New in the Disability Income Market?

Posted on July 25, 2012 by ecrowe

Calling all business owners…The U.S. has 5.8 million small business employers in 2009, representing 99% of the nation’s employers. There is plenty of opportunity to sell disability income in this market. Capture your small business owners’ attention with these unique disability products:

Posted in Selling DI

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