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.
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