Clarifying the different definitions of disability is critical when brokers discuss disability income policies with perspective clients. The definition of disability in a disability insurance policy determines under what circumstances a claim will be paid. Don’t jeopardize your client relationships by recommending a disability income policy with an inadequate definition for their occupation. “True” Own Occupation Definition The “true”

“Why paycheck protection? I was thinking about life insurance,” your young professional client asks. Here’s why: As a nation we carry a heavy debt load, especially in times of optimism when jobs are plentiful and economy is humming. Two out of three Americans live paycheck to paycheck. Losing income for even a short period of

Individual disability income insures that your clients will be able to maintain their financial independence in the event they become too sick or injured to work for a period of time. Yet, a LIMRA study shows that only 18% of consumers recall being approached about buying disability insurance – less than half as many as those being approached for life insurance.