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.
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.
Selling disability income does not have to be challenging. Try these five easy ways to beef up your sales.
During the month of May, and every month thereafter take opportunity to talk to your clients about income protection. Many of your clients have never even considered the idea of protecting their income in the event of a unexpected illness or accident. The first step is to sell the need.