Selling one disability policy is good. Selling multiple is better.

There's strength in numbers! Writing disability insurance coverage on multiple lives at once can lower the costs for your clients — while maintaining all of the benefits of an individual DI policy. With multi-life coverage for key employees, business owners can retain top talent by making their benefits stronger, and you can generate more revenue from a single opportunity.

Discounted Pricing

Many carriers offer a 10-20% discount off individual rates — and females can receive even more due to gender-neutral pricing

Simplified Underwriting

Guaranteed standard issue DI allows individuals in the group to secure an individual policy with little to no underwriting

Fill a Coverage Gap

Higher-paid employees can overcome the difference between their salary and the cap on group employer coverage

Retain Top Talent

Strengthen the benefits for key employees by recouping a higher percentage of their salary or getting a lenient definition of disability

View Multi-Life Concepts

Get started by gathering key information

Prior to running a multi-life disability quote, the carrier will need this excel spreadsheet filled out with the names, job roles, income and other information for any potential insured. Get a head start by downloading the census (Excel format) now.

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Target Market

Find the ideal client for multi-life DI

Do you have business owner clients who match these key characteristics? If so, a multi-life sale may be the perfect opportunity to introduce in your next planning meeting.

Employs five or more at one company

Employees with incomes of $100,000/year or more

Employees who earn large bonuses

Work in technology, banking, engineering, etc.

Get the Census Fact Finder

Multi-Life Disability Concepts

Position yourself for success with these proven sales ideas

Disability Insurance

5 Benefits of Multi-Life DI to Share with Your Business Owner Clients

Multi-life disability insurance could be the solution your business owner clients have been waiting for, and it doesn't have to be complicated. Keep it simple and use these five key benefits to show them how a multi-life DI plan can impact their business.

George Wilkins

April 2023 • 1-min read

Executive Carve-Out

An executive income protection carve-out program might be just the thing for your business owner clients to consider when exploring employee retention strategies. It not only helps the executive in the case of an injury or illness, but it also gives the business a boost if they need to call in extra help.

October 2022

Executive and Professional Income Restoration Plan

Most group coverage plans pay a percentage of the employee's salary based on the program's coverage limits. These benefits are also taxable, reducing the percentage of covered income. Make your client's income protection whole by adding individual coverage to their group plan.

October 2022

Why Business Owners Should Offer Supplemental Coverage

Employees with higher salaries may be at a disadvantage when it comes to benefits. This client-approved piece shows how a benefit restoration plan can fix that by purchasing additional life insurance coverage and then adding group DI for income protection.

January 2023

Multi-Life DI for Business Owners

Women pay more than men for disability insurance coverage. Blame statistics and underwriting. Fortunately, there are multi-life options that help level the playing field. By purchasing coverage on multiple employees, female business owners can save money while protecting more lives.

March 2023

Multi-Life Disability for Reduced Premium Outlay

When two business partners wanted disability insurance coverage, a multi-life discount provided an overall lower premium, plus coverage for an additional employee. See how the math worked out for these partners to save 23% while providing an added benefit for a key employee.

March 2023