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

Key Person Disability Insurance is a Lifesaver in These 6 Scenarios

Posted by The DIS Sales Team on Thu, Sep 12, 2019 @ 15:09 PM

Business owners know how much hard work goes into keeping a business afloat. They work hard every day, but they can’t do everything themselves. As their business grows, they need to take on more employees, and they depend on them to do their jobs. Life, however, can have other plans. An injury or illness could prevent an employee from working. Key person disability insurance provides important coverage for this risk.

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Topics: disability insurance, key person insurance, key person disability insurance

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

Why Business Overhead Expense (BOE) insurance is crucial for your small business clients

Posted by Dan Steenerson on Thu, Mar 9, 2017 @ 10:03 AM

According to Ben Franklin, nothing in this world is certain but death and taxes. But if a small business owner suffers a disability from an injury or illness, there are a few other certainties he or she can count on: 

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Topics: key person insurance, business overhead expense policy, business overhead expense insurance, BOE insurance, BOE policy, BOE policies, buy-sell insurance

Unlocking the Need for Key Person Insurance

Posted by Tom Helbing on Wed, Feb 3, 2016 @ 11:02 AM

Key Person Disability Insurance delivers cash benefits to a business in the event a key employee who is critical to the success of the business can’t perform their substantial and material duties due to sickness or injury.

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Topics: key person insurance, key person disability insurance

How insurance agents can supersize revenues by thinking like fast food marketers

Posted by Dan Steenerson on Tue, Sep 11, 2012 @ 14:09 PM

Every day, consumers are inundated with cross-selling and up-selling offers. Would you like fries with your burger? Would you like a cover with your phone? Would you like to upgrade your minutes? And many times, the response to these questions is YES. Just imagine the potato overage our country would face if fast food restaurants stopped cross-selling french fries.

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Topics: insurance agent, income protection, key person insurance, insurance marketing ideas, insurance cross-sell, individual disability income, business overhead, disability buy out

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