Business Overhead Expense (BOE) is essential protection for your small business clients
Here’s Why: If a small business owner suffers a disabling injury or sickness, how will the business continue to meet its expenses and remain profitable?
DI Sales Strategies: Why Less May Be More?
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.
Strong Residual/Partial Benefits are Essential
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
Can’t Afford Life and Disability? Lean Toward Disability.
Financially squeezed families often times cannot budget for both life insurance and disability insurance. If despite the client’s best efforts he or she cannot budget for both, yet each is key to a secure financial future, how should you advise your client?
Target Associations to Build Your DI Sales
An excellent way to increase your disability insurance quotes is to target a professional association. Nearly every industry and profession has its own association–dentists, physicians, attorneys, nurse practioners, architects to name a few.