Own Occupation Definitions: What You Need to Know

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  The definition of disability is the most important part of any disability insurance policy because it triggers the claim.  However, it can be challenging to determine the definition of disability that best protects your client in their occupation. For some individuals, a true own-occupation disability insurance policy is absolutely the best choice. For others,
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Are All Individual Disability Income Policies the Same?

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While all individual disability policies have the same purpose—paycheck protection—they have different features that may or may not be a good fit for your clients. Multiple disability insurance companies are competing for your business, and they offer a wide range of terms and benefits. This is a good thing because it allows you to tailor
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Why Your Professional and Physician Clients Need Individual Disability Income?

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Professionals and physicians need individual disability insurance. Here’s why: Nobody wants to take a 40-60% pay cut if they become injured or go on medical maternity leave – especially after a decade of training plus thousands of dollars of medical or dental school costs. The truth is that it’s never too early to start planning
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3 Reasons to Continue to Talk to Your Clients about Income Protection

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Many workers have little understanding of the likelihood of experiencing a disability. A recent Council for Disability Awareness survey of workers found: 90 percent underestimate their own chances of becoming disabled. 85 percent express little or no concern that they might suffer a disability lasting three months or longer. 56 percent do not realize that
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