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