Multi life Disability Insurance Solutions Ash Brokerage

Make multiple DI sales at once — with discounts!

Offer business owners an income protection strategy for key employees, with better rates and an easier process.

Multi-Life Disability
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

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.

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.