5 Easy Steps to Selling Disability Income

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Advisors working with young professionals have a built-in client base for disability income, yet many do not focus on this product. The reasons they give are it is too difficult to underwrite, and premiums are high. Follow these 5 steps and watch your disability placement percentage increase:
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Selling Life but not Disability?

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Everyone knows financial planning without disability income protection does not lead to a secure future, so how can brokers get the attention of their clients who are unaware of the need for disability income protection?
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Strong Residual/Partial Benefits are Essential

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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
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