The Hidden Risk: Lack of Disability Income Planning Disability insurance is frequently neglected in financial advice—even though a client’s ability to earn income is their greatest long-term asset. According to the Financial Planning Association, many advisors undervalue disability coverage, causing significant vulnerability in the event of serious illness or injury. Key facts: Roughly 1 in

It’s easier to sell to an existing client than a new prospect. The odds of selling a product to a new customer are 15 percent, while the odds of selling to an existing customer are 50 percent. Identify good prospects from your current client list. Review your existing client database and identify clients, ideally between

In today’s digital world, social media has become more than just a place to connect with friends—it’s where people go to learn, ask questions, and make financial decisions. For disability insurance producers, this presents a powerful opportunity. Most professionals—especially those in their 30s and 40s—are active on platforms like LinkedIn, Instagram, and Facebook. They scroll,

Professionals like physicians, attorneys, consultants, and executives often believe they’re well-insured. They have employer benefits, solid savings, and sometimes even life insurance in place. But there’s one vulnerability that still lurks in many of their financial plans: the disability income gap. Despite earning higher-than-average incomes, many professionals are under-protected when it comes to their ability