The DI and LTCI Blog - Your Source for Sales Tips and Advice

Student Loan DI Rider is Important for Young Professionals

Posted by The DIS Sales Team on Fri, Jul 13, 2018 @ 08:07 AM

Those who are beginning careers today face more financial challenges than their parents did a few decades ago. Net worth, home ownership and wages are down, while debt is up – way up!  Consider these statistics:

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Topics: student loan di rider, student loan

Labor Shortage Creates Demand for Group Disability Insurance Products

Posted by The DIS Sales Team on Tue, Jul 10, 2018 @ 14:07 PM

The U.S. is experiencing a labor shortage. With fewer people looking for work, employers have to find new ways to attract and retain talent – and that means adding great benefits options, including disability insurance.

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Topics: group disability insurance, group disability insurance products

Hot Housing Market Triggers Greater Need for Income Protection

Posted by The DIS Sales Team on Tue, Jul 3, 2018 @ 09:07 AM

Now is a great time to buy a house. Homeownership is a dream for many, but it’s also a major financial investment – one that you need to protect. That’s why paycheck protection is especially important for homeowners.

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Topics: income protection, housing market

Financial Wellness and Group Disability Insurance: Keys to Workplace Productivity

Posted by The DIS Sales Team on Mon, Jun 18, 2018 @ 08:06 AM

When employees have financial stress, they are less productive. This is a big problem in the workplace. According to a 2017 PWC Survey, 53% of employees feel stressed about their personal finance situations, and 46% said that financial challenges cause them the MOST stress in their lives. Half of those who feel financially stressed say they spend 3 to 4 hours every week dealing with personal finance issues!

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Topics: group disability insurance, financial wellness

What is the Right Age to Buy Individual Disability Insurance?

Posted by The DIS Sales Team on Mon, Jun 11, 2018 @ 09:06 AM

When should a client purchase paycheck protection? While everyone’s situation is different, there are three considerations to use to guide your client to making the purchase decision best for them. It usually comes down to the following three factors:

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Topics: individual disability insurance

Women and Long-Term Care: The Triple Threat

Posted by Vincent Benitez on Wed, May 30, 2018 @ 13:05 PM

The family budget and handling of day-to-day financial decisions commonly involves both spouses. But when it comes to long-term financial decisions, research shows the majority of married women defer to their husbands.

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Topics: long-term care insurance, women and long-term care

Agent Toolkit – Selling Disability Insurance to Business Owners

Posted by Kevin Grauel on Wed, May 23, 2018 @ 11:05 AM

Business owners are one of the top markets for selling disability insurance. While traditional W-2 employees may have their employer and/or the government providing a safety net in the event of a disability, self-employed individuals often have neither. That is, unless, you can offer help.

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Topics: selling disability insurance

What Prospects May Not Know About Disability Insurance

Posted by The DIS Sales Team on Tue, May 15, 2018 @ 15:05 PM

Did you know that April was National Financial Literacy Month and May is Disability Insurance Awareness Month? Just as April showers brings May flowers, financial literacy often leads to an increase in disability insurance protection.

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Topics: disability insurance, private disability insurance

Full Employment: A Precursor to More Disability Insurance Sales

Posted by The DIS Sales Team on Tue, May 8, 2018 @ 16:05 PM

It’s been 18 years since the unemployment rate fell below 4 percent. After six months of hovering right around 4 – 4.1 percent, the Labor Department announced the unemployment rate dropped to 3.9 percent in April. An important side note is that wages have not significantly risen. Economists consider full employment to be unemployment rates between 5.2 – 5.0 percent.

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Topics: disability insurance sales

Disability Insurance Occupation Classes – 3 Things You Need to Know

Posted by Kevin Grauel on Mon, Apr 30, 2018 @ 11:04 AM

A lot of insurance agents shy away from selling individual disability insurance simply because it can be a complicated product. One reason for the complication is that the rates are dependent upon each clients occupational risk class. To take it even farther, each carrier has different guidelines on how they class potential clients. You don’t need to understand every aspect of each carrier’s occupation classes, but here are three points that will make it a little less confusing:

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Topics: disability insurance occupation classes