Are you challenged to find affordable disability income protection for your clients in mid-level or blue collar occupations?
It’s easier than ever to provide disability income protection to all your clients, regardless of their occupation, age or gender. Two new disability products are making disability income more affordable for all occupation classes: Dynamic Fundamental and Protector Essential.
Ameritas Dyanmic Fundamental pays a lump sum equal to one year’s salary, not to exceed $100K, when the insured is determined to be disabled for at least one year. Accept/Decline underwriting with no tedious income documentation or APSs. Pricing compares well with other common bill payments (cable, internet, etc.). With no coordination of benefits with other DI coverage, all your clients are eligible for the plan, even if they have a group LTD plan or individual coverage.
Standard Insurance recently launched a new affordable individual disability income product–Protector Essential. It provides affordable individual disabilty income protection for all occupations.
- Quality definition of disability–not able to perform the material and substantial duties of your occupation and not engaged in any other gainful occupation.
- Guaranteed Renewable Contract.
- COLA and CAT Riders Available.
- 2-Year, 5-Year and to Age 66/67 Benefit Periods
This product is excellent for older clients, some females depending on occupation, and blue and gray collar occupations because the premiums are more affordable. With these very affordable DI products, there areno excuses for not presenting disabilty income to your clients. .