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

Why Contract Language Matters: Business Overhead Expense (BOE) Residual

Posted by Leslie Schultz on Thu, Dec 14, 2017 @ 08:12 AM

Several years ago I wrote a blog post on the differences in residual for individual disability insurance. In my given scenario one carrier would pay out over $25,000 more than the other!  With so much disparity in the individual product benefits, I decided it would be good to compare options under the residual definition with the business overhead product as well.

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Topics: business overhead expense

Disability Insurance for Doctors: Why Small Medical Practices Need Business Overhead Expense Insurance

Posted by The DIS Sales Team on Mon, Jul 24, 2017 @ 15:07 PM

Predictions about the death of the private medical practice have been greatly exaggerated. For years, hospitals and some insurance companies purchased private medical practices, but that activity has recently decreased. According to the American Medical Association, sixty percent of physicians are employed in physician-owned practices. That represents an opportunity for disability insurance sales - especially Business Overhead Expense (BOE) insurance for private medical practices. Understanding the challenges facing small practices gives you an edge when presenting the need for and importance of BOE for the practice.

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Topics: business overhead expense, disability insurance for docotors

Do Your Business Clients Need Key Person Disability Insurance?

Posted by Dan Steenerson on Fri, Apr 14, 2017 @ 14:04 PM

Key people are employees who contribute a large percentage of an organization’s sales, growth, and consequently, income. But what if an unexpected injury or illness was to disable one of these key employees? Waiting for the employee to recover or finding a suitable replacement could take quite some time.

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Topics: income protection, business overhead expense, key man disability insurance, key person insurance, key person disability insurance

BOE Policy Provides Business Lifeblood When the Heart Attack FAILS

Posted by Dan Steenerson on Wed, Feb 22, 2017 @ 15:02 PM

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Topics: business overhead expense, Small business disability insurance

Five Easy Ways to Build DI Sales Success with Your Current Clients

Posted by Leslie Schultz on Wed, Jan 8, 2014 @ 11:01 AM

Are you keeping your clients’ disability insurance policies up to date? Besides offering good service to your existing clients, this is a great opportunity to increase your sales! Here are several ways to make it pay to schedule those follow up appointments with your clients every year.

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Topics: disability insurance, business overhead expense, DI Sales, DI policies, individual DI coverage, buy-sell agreement

From Weekend Warrior Diaries: 10 crazy reasons to offer paycheck protection

Posted by Dan Steenerson on Tue, Oct 9, 2012 @ 11:10 AM

People do the craziest things, whether they’re working hard or playing harder. Fueled by misjudgment, lack of concentration, poor preparation, or just plain carelessness, some people have a knack for turning an enjoyable weekend into a disabling injury that knocks them off the job for a while. As the saying goes, anything can happen at any time, so it’s vital to educate your customers and prospects about paycheck protection insurance.

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Topics: paycheck protection, business overhead expense, disability insurance quotes

More than half of women are breadwinners. Are more than half of your clients women?

Posted by Dan Steenerson on Tue, Aug 28, 2012 @ 16:08 PM

The American workforce is changing and so is the paycheck protection opportunity. According to a July 12 article in the Huffington Post, a Prudential Financial study of more than 1400 women found that 53 percent were the breadwinners in their households. The article cites other major gender shifts as well: Women under age 30 earn more than their male counterparts, women now comprise half of the workforce, and colleges are graduating more women than men.

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Topics: disability insurance, paycheck protection, income protection, critical illness insurance, business overhead expense, key person insurance, women need paycheck protection


Posted by Dan Steenerson on Tue, Mar 6, 2012 @ 10:03 AM

Seven Paycheck Protection Sales Ideas


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Topics: paycheck protection, selling disability insurance, business overhead expense, selling paycheck protection, how to sell disability insurance