If your client lost their income tomorrow, would their financial plan hold up?

As an advisor, you carefully construct strategies to protect your clients’ homes, retirement accounts, and investments. But too often, the very foundation of that plan—their income—remains unprotected. Without income, every other asset is at risk.

Income: The Engine That Drives Every Plan

Think about it:

• A retirement portfolio only grows if contributions continue.
• Mortgage payments rely on monthly paychecks.
• Insurance premiums, college savings, lifestyle expenses—all depend on steady earnings.

Income is the fuel that powers every part of a financial plan. Yet many clients have overlooked this asset entirely.

Why Advisors Can’t Ignore Disability Insurance

The likelihood of a working professional facing a disability that disrupts their income is greater than most realize. And when it happens, it can derail even the strongest financial strategies overnight.

By integrating Disability Insurance (DI) into your recommendations, you’re not adding complexity—you’re strengthening the integrity of the entire plan. You’re showing clients you care about more than just asset growth; you care about protecting the very foundation that makes those assets possible.

The Advisor Advantage

Top advisors are already adding DI to their toolkit, and here’s why:

• Client Retention: When you protect income, you protect everything else. Clients trust you more deeply when they know you’re thinking beyond investments.
• Revenue Opportunity: DI introduces a new stream of business with strong long-term value.
• Differentiation: Most advisors still overlook DI. Offering it sets you apart as the one who truly looks at the full picture.

A Simple First Step

You don’t have to become a disability insurance expert overnight. With the right partner, quotes, underwriting, and paperwork can all be handled for you. All you need to do is start the conversation:

“If your income disappeared tomorrow, would your plan still work?”

That single question reframes the value you bring and opens the door to protecting your clients’ most important asset.

👉 As an advisor, you wouldn’t leave a client’s home uninsured. Don’t leave their income exposed. Protect the foundation—because without it, everything else can crumble.

Source Brokerage is here to help you every step of the way! Contact Steve Crowe at ext. 222 or request a quote.