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

Dan Steenerson

Recent Posts

Disability Insurance for the Corporate Executive Market

Posted by Dan Steenerson on Wed, Nov 20, 2019 @ 16:11 PM

Discover a lucrative opportunity!

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Topics: corporate executive market

Why 2018 is an Exceptional Year to Offer Disability Insurance for Doctors

Posted by Dan Steenerson on Wed, Jan 10, 2018 @ 11:01 AM

If you’re not offering disability insurance for doctors, now is a good time to get in the game. The healthcare industry continues to see robust growth despite the lagging economy. Private physician practices alone are adding tens of thousands of jobs to their ranks evrey year.

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Topics: disability insurance for doctors, doctor disability insurance

Three “Regular People” Markets for Income Protection

Posted by Dan Steenerson on Fri, Oct 20, 2017 @ 15:10 PM

You already know that those in high-earning occupations need disability insurance protection. Physicians, dentists and attorneys have long served as core income protection buyers. Going forward, I encourage you to broaden your thinking. It turns out that “regular people,” those making $50K and above, may need income protection even more than the affluent. They are more apt to be living paycheck-to-paycheck; sandwiched between supporting kids and aging parents; and saddled with debt.

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Disability Insurance: Essential for Clients with High Deductible Health Plans

Posted by Dan Steenerson on Thu, Oct 5, 2017 @ 15:10 PM

High deductible health plans (HDHP) are increasingly popular with employers and employees. In 2016, 86 percent of employer health insurance options included a HDHP. In the last five years employee enrollment in HDHPs has doubled from 20 to 46 percent. Let’s look at high deductible plans, how they work, and why the need for disability insurance is even more critical for clients enrolled in one.

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Topics: high deductible health plans

Paycheck Protection for the Modern Workforce

Posted by Dan Steenerson on Fri, Aug 25, 2017 @ 08:08 AM

Have you noticed? America’s workforce is changing. It’s getting younger, more mobile and more skilled. Are your paycheck protection sales strategies keeping pace? If you think that disability insurance is something that you should only offer to your clients who are doctors, lawyers and dentists, it’s time to modernize your thinking.

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Topics: paycheck protection

Guaranteed Standard Issue DI: The Other PPACA

Posted by Dan Steenerson on Mon, Aug 7, 2017 @ 16:08 PM

As the old saying goes, “When opportunity knocks, open the door.” And one trend in the disability insurance marketplace – Guaranteed Standard Issue Individual Disability insurance – has plenty of opportunities knocking.

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Topics: disability insurance quote, Insurance Selling, DI Sales, DI brokers, group LTD, GSI DI, guaranteed standard issue DI

Tap into the Growing Business Loan DI Market

Posted by Dan Steenerson on Mon, Jul 17, 2017 @ 10:07 AM

For millions of entrepreneurs, the dream of opening a new business or expanding an existing one would never come true without relying on a business loan. And according to the most recent study by the Small Business Administration Office of Advocacy, Small Business Lending in the United States, 2017, the total number of small business loans grew from 22.97 million in June 2013 to 24.22 million in June 2015, so business borrowing continues to increase.

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Topics: bank loan disability insurance, business overhead expense policy, business loan DI, business loan disability insurance, bank loan DI, disability insurance products for business owners

Why do business owners need business loan DI?

Posted by Dan Steenerson on Fri, Jun 30, 2017 @ 12:06 PM

Jenny is a 45-year old career veterinarian with her own practice. Her compassion for animals and their owners made her business so popular, her clinic simply couldn’t handle the load any longer. She had hired more staff and was running out of space, so finally decided to build a new, larger clinic. She knew the business loan would be an expensive and long-term commitment, but customer demand was expanding her business beyond her capabilities, so she was confident about the income being there to make the loan payments.

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Topics: business loan DI, business overhead expense insurance, key person DI, disability insurance for business owners

Selling Disability Insurance in the Multi-Life Arena

Posted by Dan Steenerson on Mon, May 22, 2017 @ 08:05 AM

Step out of your comfort zone and into the EARNING ZONE.

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Topics: selling disability insurance

Business Overhead Expense Insurance: The Ultimate Business Life Preserver

Posted by Dan Steenerson on Mon, May 1, 2017 @ 10:05 AM

Like most entrepreneurs, your clients aren’t just running a business – they’re fulfilling a lifetime goal. But what would happen to those dreams if they became disabled? Would their business be able to continue without them? Who would pay their employees’ salaries? Take care of the monthly bills? These costs don’t just go away when a business owner suffers a sudden and drastic loss of income due to a disability.

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Topics: disability insurance, individual disability insurance, business overhead expense insurance, BOE insurance, business overhead insurance