Protect Your Clients’ Income from the Biggest Threat
Did you know your clients are 3x more likely to become disabled then to die during their working years?
DI Sales Strategies: Why Less May Be More?
The #1 reason brokers give for not presenting disability income to their clients is the underwriting process is too difficult; and as a consequence, it creates a negative relationship with their clients. It may be time to consider simplified underwriting.
Strong Residual/Partial Benefits are Essential
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
Covering the Shortfall
Happy New Year!!! Here’s a sales idea to sell more disability with less effort yet earn higher commissions. It’s a great way to start the new selling year. A recent trend in the individual disability marketplace—Guaranteed Standard Issue Individual Disability Income (GSI) — is stirring up big opportunities for advisors to sell multiple disability income
Differences in Disability Definitions
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.