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

How the Gender-Neutral Movement Impacts Insurance Underwriting

Posted by The DIS Sales Team on Thu, Dec 6, 2018 @ 11:12 AM

Male or female? It’s a common question on any insurance application, but for some people, the answer isn’t so straightforward. If you’re helping a transgender client obtain disability insurance, it’s important to know how insurance underwriters approach the issue.

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Topics: gender neutral, insurance underwriting

Disability Insurance Shopping Insights: Is Return of Premium a Good Deal?

Posted by The DIS Sales Team on Tue, Nov 27, 2018 @ 15:11 PM

The holiday season is here. It’s a time filled with fun, family and friends – and more than a little shopping. According to a survey conducted by Coinstar, 77 percent of holiday shoppers expected to go over budget last year.

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Topics: return of premium, disability insurance rider, return of premium rider

Selling Disability Insurance? Rosemarie Can Help.

Posted by The DIS Sales Team on Tue, Nov 20, 2018 @ 10:11 AM

The odds of disability. The high cost of medical bills. The average amount of savings. When talking about disability insurance, we tend to cite a lot of numbers. For good reason, too – these numbers prove how essential disability insurance is.

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Topics: selling disability insurance, odds of disability, stories

Paycheck Protection by the Decade: Why Your Clients Need it in their 30s, 40s and 50s

Posted by The DIS Sales Team on Mon, Nov 12, 2018 @ 12:11 PM

Pop quiz: What’s the perfect age to buy paycheck protection? If you’re having trouble thinking of the answer, don’t worry. It’s a bit of a trick question. See, there really is no ideal age for paycheck protection. Whether your clients are in their 30s, 40s or 50s, they have plenty of reasons to buy this important product.

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Topics: paycheck protection, right age to buy paycheck protection

A Growing Economy Creates Bank Loan Disability Insurance Sales Opportunities

Posted by The DIS Sales Team on Tue, Nov 6, 2018 @ 09:11 AM

Small business is the engine driving much of our economic growth, and small business owners believe this is a perfect time to grow even more. In fact, according to a survey of small business owners, almost one-third are planning to expand. Large capital purchases like fleet vehicles and equipment are forecasted by 41 percent of business owners.

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Topics: bank loan disability insurance

Insurance Advisors: Seize the Open Enrollment Opportunity

Posted by The DIS Sales Team on Mon, Oct 29, 2018 @ 10:10 AM

This is the time of year when your employed clients are choosing benefits during their company’s open enrollment. Health insurance is always the highest priority. Understanding health insurance plans can be quite complex, yet most of us seem to navigate the system well.

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Topics: insurance advisors, disability benefits

Why Disability Insurance? Because Medical Bills Can Destroy Financial Security.

Posted by The DIS Sales Team on Wed, Oct 24, 2018 @ 16:10 PM

For many Americans, the worst part about being sick isn’t the illness itself. Yes, injuries and illnesses are bad, but the costs involved can be devastating. In some cases, medical bills and other related expenses can cause problems long after an illness or injury has healed. Health insurance is not always enough to shield families from the threat of financial ruin.

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Why Paycheck Protection Makes Sense

Posted by The DIS Sales Team on Mon, Oct 22, 2018 @ 13:10 PM

Do remember your first paycheck? It’s a big milestone in a person’s life, providing not only money but also independence. A paycheck gives us the means to survive as well as the ability to pursue the lifestyle and the future we envision for ourselves. Once we start earning a paycheck, we may take it for granted – but what happens when our ability to earn a paycheck ends?

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Topics: paycheck protection

How Well Do You Promote the DI Future Purchase Option?

Posted by The DIS Sales Team on Thu, Oct 11, 2018 @ 12:10 PM

Sometimes, a little effort goes a long way. Take the Future Purchase Option Rider. A common clause found in many disability insurance policies, this rider makes it easy for clients to purchase additional coverage without medical testing. When they do so, you make a first-year commission. It’s truly a win-win situation – but only if you make a little effort to promote it.  

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Topics: future purchase option

10 Prospecting Tips for Disability Insurance Agents

Posted by The DIS Sales Team on Thu, Oct 4, 2018 @ 10:10 AM

The need for disability insurance is strong. According to the Social Security Administration, today’s 20-somethings have one in four chance of becoming disabled during their working years. With odds like that, it seems like everyone should want disability insurance – but not everyone has it. This gap means that disability insurance agents need to reach more people.

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Topics: insurance prospecting, disability insurance prospecting, prospecting tips