Unleash the LEAD Power of Your Website!

They express interest.

We send you quotes for income protection solutions.

You receive their contact information.

Then you make the appointment.

Its that easy.

We can make is happen at DIS.

Any questions?
 

Good News / Bad News

Good News:

A client presented Long Term Care insurance in June has just expressed interest in buying the product, and the agent just closed the sale in a meeting this morning!


Bad News:

The availability of that carrier product in that state ended in July.


Moral:

Procrastination can be catastrophic!


If the chance to protect income is put off,

      1). A carrier product may change rates or become unavailable.

      2). A client may become unemployed or uninsurable.

*****The truth is that the unexpected happens, literally overnight.*****

If you are an agent, let us give you the versatility to show your client how easy paycheck

          protection really is!

If you are a consumer without an agent showing you the above, we can help you find an

          agent in your area!

Please contact me with any questions.

Be the "Keyman" of Protection with Keyman Disability Insurance

Disability Business Overhead Expense is an excellent product for which it is designed. 

It will reimburse fixed operating costs paid by a company for each month the owner is disabled.

What if you could have a contract that would pay100% of your client's income to replace him WHILE he is disabled?

With someone just as skilled in the driver's seat, your client's company can remain profitable enough to pay ITS OWN expenses!

Another benefit of this type of contract is the benefit is NOT reimbursement based!

Every month your client is disabled, the FULL benefit is paid!

This allows your client to:

                                                  *   Decide if he can recover and return

                                                  *   Determine if he should sell the busiiness

                                                  *   Decide to keep the temp permantly and remain a silent owner.

Contact me today to learn more about this powerful tool which can help save your client's business in a time of disability.  This can change a hopeless situation into opportunity!

The Cost of Complacency

Sure it takes a little effort to prepare for the unexpected, but what is that in comparison to dealing with the effects when you are unprepared?

Is it easier to carry an unbrella, or find dry clothes?

Is it easier to have a flashlight handy, or try to function in the dark?

Is it easier to protect your income now, or find a way to pay your bills later when you can not work due to disability?

The most common reason people put this off is in thinking that it is very difficult or expensive to consider.  Income protection has never been easier or more affordable.

Ask your insurance agent to contact Disability Insurance Services today to get solutions for you.  If you do not have an insurance agent you know or work with, then email me and I can find a reputable agent close to you.  Either way, do not wait as the cost of complacency in this matter could be catastrophic.

What is Stress?

 Imagine the difficulty of being in bed daily, because you cannot walk due to multiple injuries from a car accident.

Now picture this.  You look to the nightstand on your right and see multiple letters by your alarm clock.  There are several delinquency notices and a notice of foreclosure.  You could not sleep if you wanted to.

This is not far-fetched, this is the leading contributor to bankruptcy.  (The American Journal of Medicine, June 4, 2009).  Though there are many things that can stop your paycheck, those things will not stop your bills.

The good news is today it is easier and far less expensive than it has ever been to protect your paycheck against loss from injury or illness!

Ask your insurance professional to contact Disability Insurance Services today to show you the best solutions available.  If you do not have an agent you work with already, email me and we can provide an independent agent we know that is close to you.

Whether you are well or recovering from a disability, you do not need stress.  You need peace of mind.

Do You Have Your Umbrella?

So you checked a few stores and found the right umbrella, with the right color, and at the right price.  Then what happens if you leave it in the closet and it rains?  You can get soaked!

You know what can happen if you get sick or injured, losing the ability to work, and you don’t have your paycheck protected.  You have done your research on the net, and you have educated yourself.  But if you don’t have active protection with you, you can get “soaked” financially.  The rising debts and lack of income can destroy everything you worked for.

If you are serious about changing this situation, ask your insurance specialist to contact Disability Insurance Services today to start creating the solution.  If you don’t have an agent, contact me today and I can find an independent agent we know that  is close to you.

Secure Critical Protection with Critical Illness Insurance - Income Protection for Your Clients

 When looking to protect the income of your clients in the event of disability, there are great reasons to consider Critical Illness as well!

1). Disability Elimination Period Supplement - Are your clients financially prepared to

     endure the elimination  period of their disability contract required to receive the

     benefit?  Critical Illness can help bridge the gap to when disability benefits become

     payable.

2)  Disability Benefit Amount Supplement - Will your client’s disability income benefit

     amount meet his or her expense needs?  Critical Illness can help fill the gap.

3). Occupations Uninsurable With Disability Insurance - There are occupations that are

     not insurable with disability coverage can be insured through Critical Illness.  Some of

     these occupations include:

• Homemakers
• Home-based business owners
• Professional athletes
• Actors
• Packing industry workers
• Pilots
• Offshore oil and gas workers
• Flight attendants
• Writers/Authors
• Air traffic controllers

4). Verifiable Income - Due to new self employment, or creative accounting,

      some business owners do not have the income verification required to qualify

      for disability insurance. 

5). Key Person Coverage - Critical Illness can be used to fund the replacement of

     a key employee, or for a self employed owner to fund the temporary

     replacement of himself.

 If you would like some more information, or to recieve a free quote for your client, please contact me today!

The Art of Insurance Science

How long does it usually take you to get an income protection solution representing one carrier?

When you get it back, how do you know it is accurate? 

How do you know it is the right choice?

Anyone can enter data into a computer application, but not everyone is an expert in income protection.  As carrier products change on a daily basis, it is important to know you are working with people who stay up to date with the best product solutions.

Yet, this is not enough.

When does the science of protection become an art? 

If you are trying to help an attorney you can get a solution which is tailored for an attorney, or you can get a solution for your client "Bob", who happens to be a self employed attorney and the father of two.  The difference is we make an effort to understand who your client is, so in dealing with you he feels treated like a friend.  This eliminates the possibilities of selling him features which he will not need, or missing features that he could not survive without.

If you would like to explore further and know the difference between protection science and art, which will translate into MORE SALES, please contact me or one of my associates today at Disability Insurance Services.

Eric

phone: 1-800-898-9641
email: thedidoctor@diservices.com

Insurance Agents - Be the "Keyman" of Protection with Keyman Disability

Protecting a client's business ususally conjures images of disability overhead which is a tried and true product, great for what it was designed for.

With Keyman or Keyperson insurance, you can now offer the client versatility!

Instead of a reimbursement benefit that only pays the client back for business expenses which went out the previous month, keyman insurance pays out the SAME benefit each month regardless of expenditure receipts!

This is a benefit normally equal to 100% of the business owner's monthly wages but we can get more where needed. 

With this tool your client now has three options if disabled.

1). Recover and return.
2). Sell the business.
3). Keep the temp replacement as a permanent hire and remain as a "silent owner".

Contact me today for quotes, or more information on how you can make this work for your clients!

email: The DI Doctor

Insurance Agents: Supreme Court Rules on Health Care

The US Supreme Court Today mandated indvidual health care coverage for all US citizens with private coverage or federal coverage.  Part of these changes include that the higher risks of pre existing conditions must now be covered by carriers that formerly excluded them.  Experts predict this will mean:

1). More difficulty in the process of obtaining health care.
2). Increased costs in private health care coverage. (Which will eventually effect the tax payer funded federal coverage as well.)

Read more at: Supreme Court Rules on Health Care
NOW is the time to start offering your clients the alternative of protecting their ability to earn income against injury or sickness!  Please feel free to contact me for more information.

Email: The DI Doctor

Insurance Agents - Driving Disability Business to You

I would like to tell you of a free tool which will help attract disability business to you through your Linked In profile, or your website.

My organization can give you a link that would be pasted into your Linked In profile, or added to your website, that potential clients can click on if they are interested in protecting their income. We would automatically get their info to send you quotes, you would get client contact info and set up appointments. It is like getting to 3rd base first as clients have already expressed interest in disability protection!

This link can also be put in the signature of your emails which may be helpful in snagging the attention of more relations so they can be taken on as clients as well.

If you are interested in making any of this happen, I can send you the information needed to set that up. Please email me if you are interested. 

The DI Doctor