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Can’t Afford Life and Disability? Lean Toward Disability.

Posted on December 10, 2012 by ecrowe
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?
read more
Posted in DI Tips, Selling DI

Target Associations to Build Your DI Sales

Posted on November 13, 2012 by ecrowe
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.
read more
Posted in DI Tips, Selling DI disability income quotes, disability income sales tips, individual disability income

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.
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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.
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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?
read more
Posted in Selling DI

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      Client’s Name:

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      Elimination Period (days):

      Current Year Income: $

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      If less than one full tax year in business:

      Former Occupation/Duties:

      Former Salary: $

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