A financial plan has many important pieces, but your client’s ability to earn an income makes everything else possible. People insure their homes, cars and personal property, yet fail to insure the thing that makes it all possible. See how to protect their income with disability insurance.
Disability insurance works for your clients when they can’t. It keeps their families in their homes, children going to school and future plans in motion. This guide walks you through the need for DI, how to identify clients, key questions to ask to start the conversation and next steps.
Businesses rely on people. If someone were unable to perform their role due to illness or injury, would the business continue to run smoothly? The risk of losing a key employee — someone essential to the success of the business — can be reduced through disability insurance.
It’s tough when clients get through underwriting with higher premiums or less benefits than they hoped for. But you can still save the sale when a modified DI policy is offered. It’s a case when some coverage really is better than no coverage at all.
When it comes to insurance, your clients will have questions. So, when considering an individual disability insurance policy, make sure your clients know the answers to these five commonly asked questions.
Disability overhead expense coverage can keep the lights on when something unexpected happens. The first step is to consider how much to cover. Help business-owner clients detail monthly operating expenses to see how they can be covered if they cannot work.
Every solid structure requires a solid foundation. So, why is it that a person’s income is so often overlooked when creating a strong financial plan? Disability Insurance can help create paycheck protection in case your clients' income is disrupted - even for a short period of time.