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

The Paycheck Protection Gap

Posted by The DIS Sales Team on Wed, Jul 17, 2019 @ 15:07 PM

Women reportedly earn $0.79 for every $1.00 men earn. While the pay gap has gotten a lot of attention recently, there’s another gap that’s also troubling: the paycheck protection gap. Women have a greater need for paycheck protection. At the same time, they are less likely to have coverage. This puts women, especially working single women, at great risk.

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Topics: paycheck protection, paycheck protection for women

Paycheck Protection by the Decade: Why Your Clients Need it in their 30s, 40s and 50s

Posted by The DIS Sales Team on Mon, Nov 12, 2018 @ 12:11 PM

Pop quiz: What’s the perfect age to buy paycheck protection? If you’re having trouble thinking of the answer, don’t worry. It’s a bit of a trick question. See, there really is no ideal age for paycheck protection. Whether your clients are in their 30s, 40s or 50s, they have plenty of reasons to buy this important product.

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Topics: paycheck protection, right age to buy paycheck protection

Why Paycheck Protection Makes Sense

Posted by The DIS Sales Team on Mon, Oct 22, 2018 @ 13:10 PM

Do remember your first paycheck? It’s a big milestone in a person’s life, providing not only money but also independence. A paycheck gives us the means to survive as well as the ability to pursue the lifestyle and the future we envision for ourselves. Once we start earning a paycheck, we may take it for granted – but what happens when our ability to earn a paycheck ends?

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Topics: paycheck protection

Paycheck Protection: Because Crippling Conditions Cause Crippling Debt

Posted by The DIS Sales Team on Thu, Jul 19, 2018 @ 12:07 PM

Initially clients may doubt the need for paycheck protection. They may falsely believe that their health insurance coverage exempts them from incurring hefty medical bills. Yet studies find that even those with health insurance, experience escalating debt when managing serious illnesses and injuries. Those who are covered by high-deductible plans and plans with large out-of-pocket maximums are particularly vulnerable.

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Topics: paycheck protection, disability related debt

Paycheck Protection for the Modern Workforce

Posted by Dan Steenerson on Fri, Aug 25, 2017 @ 08:08 AM

Have you noticed? America’s workforce is changing. It’s getting younger, more mobile and more skilled. Are your paycheck protection sales strategies keeping pace? If you think that disability insurance is something that you should only offer to your clients who are doctors, lawyers and dentists, it’s time to modernize your thinking.

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Topics: paycheck protection

Presidential Lessons on Paycheck Protection

Posted by The DIS Sales Team on Mon, Feb 15, 2016 @ 09:02 AM

paycheck-protectionThree day weekends are wonderful!  More time for us to spend with our family and friends, complete home projects, or maybe just have an extra day to rest.  On Presidents’ Day, sometimes the aforementioned items take precedence over celebrating George Washington’s birthday, recognizing all U.S. Presidents, and reflecting on the insurance lessons we have learned from these individuals.  Okay, maybe most U.S. Presidents have not officially held insurance licenses, attended an insurance conference, or hosted an insurance-related webinar, but there have been some memorable presidential quotes that can be applied to the insurance profession.

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Topics: paycheck protection

Four Compelling Reasons for Paycheck Protection

Posted by The DIS Sales Team on Mon, Feb 8, 2016 @ 09:02 AM

Clients often need something to trigger their awareness and even concern before becoming interested in disability insurance, also known as paycheck protection. Without guidance from a financial professional, few consumers realize two aspects of disabilities and disability insurance. First, the likelihood of suffering a disability is much higher than believed to be. Secondly, the devastation to financial security is much greater than anticipated.

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Topics: paycheck protection

Selling Disability Insurance? 4 Groups Who Need Paycheck Protection

Posted by Dan Steenerson on Fri, Nov 13, 2015 @ 14:11 PM

Just how valuable is a paycheck? For most families, the paycheck is the source of all good things – food, shelter, cars, shoes and vacations. Without the ability to earn a paycheck, many families would struggle to afford all the things they are so careful to protect with home and auto insurance.

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Topics: paycheck protection, selling disability insurance

Insurance Selling: Three Gifts to Share This Holiday Season

Posted by Dan Steenerson on Thu, Nov 20, 2014 @ 08:11 AM

The holidays bring out the best in all of us. When we interrupt our lives to give, socialize, and celebrate, a funny thing happens. We become more sentimental and more grateful for our everyday blessings – such as good health, a loving spouse, and spirited grandchildren. However, the holidays don’t always bring out the best in our insurance sales results. Many insurance agents have been tempted to relax efforts amidst all the joy. After all, no one wants to buy (or sell) insurance during the holidays – right?

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Topics: paycheck protection, insurance sales, income protection, Insurance Selling

Common Sense Disability Insurance Plan Design

Posted by Ron Bennett on Fri, Oct 24, 2014 @ 10:10 AM

Note: This is our first article of a five-part series on Common Sense Plan Design for disability insurance. Make sure to subscribe to our blog in the top right corner of this screen so you receive subsequent articles as soon as they are published.

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Topics: disability insurance, paycheck protection, disability insurance policy, disability insurance plan design, disability plans