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

Selling Individual Disability Insurance to Those Who Have Employer Coverage

Posted by The DIS Sales Team on Wed, Jan 9, 2019 @ 08:01 AM

Are you losing sales because people are worried about having too much of a good thing? Disability insurance is a good thing. There should be no doubt about that. Many people will experience an injury or illness during their working years, and without the safety net provided by disability insurance, the financial consequences can be disastrous.

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Topics: individual disability insurance, group disability insurance

Help Your Clients Avoid Foreclosure with Individual Disability Insurance

Posted by The DIS Sales Team on Thu, Jan 3, 2019 @ 10:01 AM

One illness or injury is often all it takes for a family to lose their home. If a breadwinner can’t work, the mortgage can’t be paid, and foreclosure is a likely result – unless the homeowner has individual disability insurance. 

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Topics: avoid foreclosure, individual disability insurance

What is the Right Age to Buy Individual Disability Insurance?

Posted by The DIS Sales Team on Mon, Jun 11, 2018 @ 09:06 AM

When should a client purchase paycheck protection? While everyone’s situation is different, there are three considerations to use to guide your client to making the purchase decision best for them. It usually comes down to the following three factors:

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

Why Contract Language Matters: Pregnancy and Individual Disability Insurance

Posted by Leslie Schultz on Wed, Feb 17, 2016 @ 08:02 AM

individual-disability-insuranceYou might be tempted to think there is not a lot to know regarding pregnancy coverage for long term disability policies. The waiting periods are typically 90 days (longer than most clients are off work) and many long term DI policies have exclusions that specify they will not pay benefits for the first 90 days of a disability due to pregnancy or childbirth. Even so, new long term DI claims due to pregnancy or childbirth increased 24% in 2012 and were 10.6% of all new long term DI claims by females in 2012 and 2013 (Source: 2013 and 2014 CDA Long Term Disability Claims Review). 

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Topics: individual disability insurance

How to Slash Disability Insurance Premiums by Up To 35%

Posted by Dan Steenerson on Thu, Jan 15, 2015 @ 09:01 AM

It turns out you can teach an old dog new tricks. Like most of you, I was trained to include the non-cancelable feature in every individual disability insurance (IDI) policy that I sold. In fact, back when I was 24 years old, I purchased an IDI policy for myself. At that time, I had to choose between a policy that was non-cancelable and guaranteed renewable and a policy that was simply guaranteed renewable. Of course I chose the non-cancelable policy, even though I had to pay more.

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Topics: individual disability insurance, non-cancelable DI policy, disability insurance premiums

Insurance Sales Insights from the LoveFamilyMoney Study

Posted by The DIS Sales Team on Mon, Jun 30, 2014 @ 09:06 AM

In January 2014, Allianz commissioned the "LoveFamilyMoney" study in which more than 4,500 participants joined an online panel to weigh in on a variety of questions. The conclusions are pretty interesting, especially for those of us in the field of insurance sales.

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Topics: disability insurance, insurance sales, long-term care insurance, individual disability insurance

When a stroke paralyzes … one more reason for disability insurance

Posted by Dan Steenerson on Tue, Jan 28, 2014 @ 09:01 AM

It can come on suddenly without warning. A painful headache that comes out of nowhere. Numbness in the face. Weakness down one side of the body. Slurred speech, loss of balance, or sudden change in vision. And a frightening feeling of helplessness and not understanding what’s happening.

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Topics: disability insurance, critical illness insurance, disability insurance quotes, individual disability insurance, disability statistics