With reduced elimination periods on Short-Term products, your clients can receive Day One income protection.

It is important to remember that Disability Income Insurance is needed year round.

Over 100 million working Americans don’t have private disability coverage and I suspect most of them have never been given a chance to vote. Help your clients make the right decision.

Using a little known technique, employers can use special benefit options to give “select employees” Disability Income protection in the form of company paid tax deductible benefits.

The business overhead expense need is obvious for high income earning, white collar business owners, but that same essential need exists for small blue collar business owners as well.

The Business Owner Upgrade feature for Individual Disability Insurance from some of our core carriers provides an opportunity for business owner clients to increase their occupation class by up to two levels.

If you sell a 40 year old a disability policy today – you can expect to receive renewal commission on that one piece of business for the next 20 to 25 years.

Traditional health insurance plans cover medical expenses such as Hospital and Doctor’s fees. But other non-covered expenses such as insurance deductibles, child care, travel to and from treatment facilities, and short term home health care must often be paid out of pocket by the patient.

Testimonials and examples offer an excellent way to connect with clients and can be the key to Individual Disability Income (DI) Insurance sales success.

Disability Income products have the capability of making a large impact on the financial futures of your new and existing clients.