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

How Marijuana Use Affects Disability Insurance Underwriting

Posted by Leslie Schultz on Thu, Apr 18, 2019 @ 10:04 AM

More and more states are changing their state laws and enforcement related to marijuana use- either recreational or medicinal. There are currently 11 states where marijuana is fully legal (including Washington D.C.) and an additional 17 states that have legalized medicinal marijuana. In 2019, there are eleven states that have some sort of bill currently in progress related to making changes to the existing marijuana laws. Or course, marijuana use is still illegal on the federal level. We are getting an increasing number of cases related to clients working in the marijuana industry as well as clients who are using marijuana, either medicinally or recreationally.

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Topics: disability insurance underwriting, marijuana

How Agents Can Accelerate Case Closure with Smart DI Field Underwriting

Posted by Michael Horn on Mon, Jan 22, 2018 @ 10:01 AM

Throughout the course of each year, we see our fair share of “perfect” clients. In fact, I’ve always found it interesting how many marathon runners are interested in Disability Insurance. Maybe they’ve seen a few injuries that sparked their interest or maybe the agent is making grand assumptions about their health that may not be true.

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Topics: disability insurance underwriting

Four Tips for More Successful Disability Insurance Applications

Posted by Kelly Moser on Tue, May 6, 2014 @ 12:05 PM

Oh, the joys of filling out and submitting applications.  If ever there were a reason for a suggestion box, DI applications would be it. Though filling out and submitting applications should be the easiest part of the entire underwriting process, it can sometimes feel like the most complicated.

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Topics: disability insurance, selling disability insurance, disability insurance underwriting, disability insurance applications

DI Dancing: The good, the bad, the 80s

Posted by Kelly Moser on Tue, Apr 22, 2014 @ 11:04 AM

If there’s one topic I know a lot about, it’s the 80s.  Having been born in 1988, I’d say I’m pretty much an expert on all things neon and hip-hop.  My first word was “totally” and I was quite fond of parachute pants and oversized earrings as a toddler.  Yes, those two years were the best of my entire life.

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Topics: disability insurance, disability insurance quotes, disability insurance sales, disability insurance underwriting, multi-life disability insurance

Earn a DI Pot of Gold with 3 Disability Insurance Underwriting Secrets

Posted by Kelly Moser on Fri, Mar 14, 2014 @ 13:03 PM

I’m a lucky person. Like, genuinely, ridiculously lucky. And I don’t mean I’m lucky in the way people use it when saying they have a great family, good health, and a great job (not that I don’t have those things).  I mean I’m lucky in the if-there’s-a-raffle-I’m-probably-going-to-win-it kind of way.

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Topics: disability insurance, disability insurance policy, disability insurance underwriting