Overcoming objections to individual disability income (DI) insurance requires understanding the prospect’s concerns and offering clear, compelling counterpoints. Here are common objections and effective strategies to address them: 1. “It’s too expensive.” – Response: “I understand that cost is a concern. But consider this: the cost of living without an income due to an illness

We are entering the most critical part of the year—the fourth quarter. This is where the finish line is in sight. The work you put in now will define how we close the year and set the stage for next year’s success. You can not only surpass your fourth quarter sales goals targeting individual disability

Disability insurance is one of the most important ways your clients can maintain their financial freedom, but they often have misconceptions about it. Sharing these actual facts can unmask these common misconceptions about disability insurance in general. Myth #1: “I don’t need my own disability insurance. It’s part of my employer’s benefits package.” There are

Layering disability insurance is a very effective strategy to protect against income loss in the event of a disabling injury or sickness especially for high earning individuals and physicians and dentists. Executives earning top salaries and bonuses may come up short with long-term disability (LTD) at work. In fact, group long term disability plans actually

  The United States has approximately 33.3 million small businesses across the country according to the Small Business Owners Association. A buy-sell agreement plays a major role in protecting businesses when there is a transition in ownership. However, if the buy-sell agreement is not kept up to date, it may not be protecting the business