If you don’t work, nothing else works. Your small business owners and self-employed clients generally only get paid when they work.
What do these people do if an injury or illness prevents them from earning a paycheck? Individual disability insurance is income
protection – replacing a portion of your clients income and helping minimize disruptions to daily life during a tough period.
Individual disability insurance can also help keep your clients on track for their long-term financial goals.
Most workers in the United States participate in the federal government’s Social Security Disability Insurance (SSDI) through their employer. Using your income and work history to determine how much government benefit, the federal government admits:
"Relying on SSDI benefits alone would leave many families near or below poverty, as defined by the U.S. Department of Health and Human Services Federal Poverty Guideline."
* National Association of Health Underwriters - Guide to Disability Income Insurance.
1 in 4
OF TODAY'S 20-YEAR-OLDS WILL BECOME DISABLED BEFORE THEY RETIRE
Purchasing an individual DI policy – typically paying out about 60% of your income – is the only way most people can make it through a difficult time. Disability insurance policies are customized to meet an individual’s needs. The insured has several choices to make, among the most critical are:
Nate Hennessey, CLU
Business DI Products
Orpha Grimsude, CLU, ChFC
Business DI Products
"Orpha, Orpha, Orpha... thanks for all your help. Your comparison work really help lead a discussion with my client. You guys are the best!"
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We have developed and designed several DI specific sales and case management tools that can increase you sales and make following them through underwriting a breeze.
dibrokerWest's propriety online sales and enrollment capabilities gives our producers a decided edge over the competition