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

Why Income Protection Is NOT the Icing on the Cake

Posted by The DIS Sales Team on Wed, Jul 10, 2019 @ 09:07 AM

Have you ever heard someone say that income protection is the icing on the cake? This implies that disability insurance is a product to be enjoyed once other basic financial steps have been taken. However, this thinking is flawed. In reality, income protection is NOT the icing on the cake. Rather, it is the cake plate. It is the foundation that makes all other financial progress possible.

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Topics: disability insurance, income protection

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: disability insurance, insurance marketing

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

Multi-Life: The Discount Deal of Disability Insurance

Posted by Leslie Schultz on Fri, Oct 13, 2017 @ 09:10 AM

Everyone likes to feel like they are getting a great buy- especially on disability insurance.  Are you aware of the significant cost savings that are available with discounts on disability insurance? Take a look at the cost savings available for this client by taking advantage of multi-life discounts!

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Topics: disability insurance, disability insurance quotes, disability insurance for doctors, multi-life disability insurance

Stay out of the Disability Insurance Doghouse.

Posted by Jake Rose on Mon, Jul 31, 2017 @ 16:07 PM

Remind clients why “the good life” is possible.  It’s quite possible that some of your clients are very wealthy, and they have fancy things they’d like to protect.  They might own big homes, vintage boats, fast cars, or even a $200,000 doghouse.

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Topics: disability insurance

Disability Insurance Average Buying Age: Older Than Expected

Posted by The DIS Sales Team on Wed, Jul 5, 2017 @ 09:07 AM

The average age of a new individual disability insurance client is 58 years old, according to the Milliman 2016 Annual Survey of the U.S. Individual Disability Income Insurance Market.

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Topics: disability insurance, retirement plan di

3 Ways to Make Disability Insurance More Affordable

Posted by The DIS Sales Team on Tue, May 2, 2017 @ 14:05 PM

Disability insurance doesn’t have to be “TOO EXPENSIVE” for regular people. By carefully structuring the plan design, disability insurance can be surprisingly affordable. Below are some ideas to consider.

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Topics: disability insurance, affordable 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

Disability Insurance Positioned for Strong Growth in 2017

Posted by Dan Steenerson on Thu, Dec 8, 2016 @ 14:12 PM

Disability insurance is shedding the image of a complex industry. Trends in key market indicators reveal a healthy and growing product line. Milliman’s 2016 Annual Survey of the U.S. Individual Disability Income Insurance Market, conducted almost every year since 2002, confirms the successful comeback of an insurance product essential for anyone who depends on a paycheck. Below are a few highlights from the report:

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Topics: disability insurance, DI Sales

Use Life Insurance Awareness Month to Talk DI and LTCi

Posted by The DIS Sales Team on Wed, Sep 21, 2016 @ 10:09 AM

Think of three possible events that would most negatively impact someone’s financial security. They might likely be:

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Topics: disability insurance, long-term care insurance, life insurance