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

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

Insurance Marketing: How to Customize Disability Insurance by Generation

Posted by The DIS Sales Team on Thu, Sep 27, 2018 @ 11:09 AM

As an insurance agent or financial planner, your target customer audiences likely to consist of three generational cohorts, Boomers, Gen X, and Millennials. While these groups share the critical need to protect income during an illness or injury, the motivations of each group differ widely. The good news is that carriers offer benefits designed to address the concerns facing each age group.

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Topics: insurance marketing, disability insurance

IT Industry Programmed for Disability Insurance Marketing

Posted by The DIS Sales Team on Thu, Sep 20, 2018 @ 12:09 PM

Looking for a new segment for disability insurance marketing? The facts make a strong case for concentrating on the IT industry. It is one of, if not the largest, industries in the nation today. According to the latest data from the Bureau of Labor, the entire U.S. labor force is 62.9 million. Of that, more than 11.5 million people work either for an IT organization (6.1 million) or are engaged in an IT occupation in other industries (5.4 million), making the IT industry accountable for more than 18 percent of the workforce.

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Topics: IT industry, disability insurance marketing

Insurance Marketing Checkup: Are You Ready for Millennials?

Posted by The DIS Sales Team on Wed, Sep 12, 2018 @ 09:09 AM

What do we know or think we know about millennials? Several organizations from Pew Research Center to Harvard University continue to study the phenomenon of generational cohorts assigning attributes, behaviors, economic impacts, and more to each. Most recently, Pew redefined the birth years for millennials to those born between 1981 and 1996. Today’s millennials are between 22 and 37 years old, with the older end being at the threshold for important insurance decisions and financial planning.

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Topics: insurance marketing

Now is the Time to Promote Voluntary Disability Insurance Sales

Posted by The DIS Sales Team on Thu, Aug 30, 2018 @ 09:08 AM

Open enrollment is just around the corner. If you plan to sell voluntary disability insurance benefits, now is the time to get your foot in the door. In most companies, the HR team is pivotal helping employees understand and use their benefits. So, it stands to reason that if you want to sell voluntary disability insurance benefits, you need to partner with human resources. Below are some suggestions and tools to get you started.

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Topics: voluntary disability insurance sales, voluntary disability insurance

Why Waiting to Buy Income Protection Can Cost You Big Time

Posted by Leslie Schultz on Mon, Aug 20, 2018 @ 08:08 AM

Like many others in their 20s, I remember not being thrilled about the chunk of income that was taken every month by insurance. It always seemed like money that was going out and would never come back in and felt especially significant at a time when my income was low.

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Topics: income protection, buy income protection