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The Risk of Self-Insurance

Posted on August 8, 2012 by ecrowe
I speak to many producers who struggle with selling the need for disability income to their clients. Their clients believe that they can self-insure against disability (e.g. rely on spouses second income, borrow from credit cards, use savings). In every one of these cases, these individuals all make the following two mistakes:
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Posted in Selling DI disability income sales tips, disability statistics, individual disability income

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      Client’s DOB:

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      Tobacco Use?

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      Elimination Period (days):

      Current Year Income: $

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      If business owner, how long?

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      If less than one full tax year in business:

      Former Occupation/Duties:

      Former Salary: $

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