An important question to answer with certainty is: How do I know if my client’s policy, in fact, has the true specialty definition of disability? Here’s what you need to know when you are working with clients who need and want a specialty definition of disability. Specialty Own Occupation The true specialty definition of disability

Did you know that most paycheck protection policies have a “no cost” future purchase option rider (FPO) that represents your chance for a repeat first-year commission every three years? This option (also referred to as guaranteed insurability) allows policyholders to purchase additional paycheck protection coverage without the need for a medical exam or labs. The