Is your clients dream to retire in a warm, sunny place? Or to learn to play golf or tennis? Or to visit every national park in the United States, or travel abroad? Each client has his or her own unique dream for their retirement years. Chances are you’ve discussed with your clients the importance of saving and planning for their retirement.
Even if your clients are on track with savings, there may be one aspect of preparing for retirement they haven’t considered: Would they be able to continue saving for retirement if they became too sick or injured to work?
In the insurance and financial planning industry, we know the risk of a disability is real. If you clients do become disabled, its unlikely they will be able to continue contributing to:
- Their qualified retirement plan and receive any available employer match
- Social Security
- Their pensions
To protect your clients’ retirement dreams talk to them about DI Retirement Security, an innovative disability product that can help your clients continue to save for retirement in the event of a disability.
How DI Retirement Security Works
If your client becomes too sick or injured to work, the plan pays a disability insurance benefit directly to an irrevocable trust. These benefits are income tax-free when premiums are paid with after tax dollars.
The benefits are invested on your client’s behalf in your client’s choice of several investment vehicles based on his or her risk tolerance, until he or she reaches the end of the benefit period. At the end of the benefit period, trust assets are available to your client to use as he or she chooses.
Find out more about DI Retirement Security at Source Brokerage, Inc. Call Steve Crowe at ext. 222, Ellen Crowe at ext. 223, Brian Hettmansberger at ext. 230, Chris Bussey at 220 for quotes, tools and sales strategies
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