Monday, August 13, 2012

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!


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