Why Your Professional and Physician Clients Need Individual Disability Income?

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Professionals and physicians need individual disability insurance. Here’s why: Nobody wants to take a 40-60% pay cut if they become injured or go on medical maternity leave – especially after a decade of training plus thousands of dollars of medical or dental school costs. The truth is that it’s never too early to start planning
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Help businesses protect what matters with individual disability income (DI) insurance

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Findings from Principal’s recent Business Owner check-in provided some insight into small and mid-size business owners priorities and sales opportunities they can offer you. Key Findings and Opportunities Business protection is their #1 priority. Key person insurance is an effective way to protect against an unexpected disability that could disrupt business operations. Share with clients:
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COVID-19 Update: DI Carriers Adjust Guidelines and Underwriting

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DI carriers are adjusting underwriting and guidelines to address the impact of COVID-19 on new business and DI existing policies. Here’s how: Extended grace periods for late premium payments. While most DI carriers are offering extended grace periods, they are not all the same. If your client is unable to make premium payments on time,
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3 DI Products Designed for Small Business Owners

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Retirement, business loans, and key employees are important concerns for small business owners. Introduce small business owners to these  DI products designed to protect their businesses and  retirement savings in the event of a disabling injury or sickness: DI Retirement Plan Protection The first thing that stops when you are disabled and struggling to make ends meet is saving money.  Retirement plan
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Good DI Field Underwriting = Satisfied Clients

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Brokers who ask their clients the right questions before they take an individual disability income application are more likely to have satisfied clients, because it allows you to set realistic expectations. When the client knows what to expect, it makes the underwriting process smoother for you, the underwriter, and the client.  The medical and financial underwriting for disability income
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