I bought what?!

“I have income protection!”

“My work provides coverage!”

“I bought that years ago!”

 

These are common answers we hear when inquiring about income protection.  But the real question is, “What did you buy?”  Another way of asking this question would be, “Is your income protection up to date?”

 

Many people are surprised to find out their income protection can force them to do other work.

Many others are surprised to learn their premiums will rise at regular intervals.

This often leads to the response, “I bought what???

 

Most consumers do not understand the complexities of income protection.

 

Economic and political uncertainty creates the PERFECT time to review these matters with current clients or go over such questions with new clients!

Whereas most people will bypass the pages of contractual fine print to focus on price, the correct way to bring price into focus is by customizing the protection for each client’s needs.

 

Not EVERYONE needs the best definition of disability.

Not EVERYONE will have the possibility of going out on a Residual disability claim.

EVERYONE needs their most important asset protected in the best way possible.

Any questions?

Government Shutdowns: Are We Trusting in Instability?

The accident happened.

You never bought personal insurance.

You call a government agency for help.

The recorded greeting says, “Sorry, this office is closed till further notice.”

Can it happen?

No one would doubt this possibility given current events at hand.

 

 

Free market competition is the reason why private carriers can offer rock solid income protection at the best rates possible.

That is the reason why these solutions will give consumers and their families piece of mind, and why such carriers continue to survive economic instabilities.

This is a clear sign and direction for financial action.

Facing emergencies is statistical.

Facing them with uncertainty is preventable.

 

Any Questions?

Dealing a Winning Hand - How to Advise Your Client

 

Suffering a disability is like being dealt a bad hand of cards.  A person can never predict the situation until it happens.

Paycheck protection against disability is like being able to choose the hand of cards you want.  The choice will win the game.

Many consumers will naturally choose based on lowest price alone.  This can create many pitfalls in the event of a disability.

1). Will the benefit be enough to pay the bills?

2). Will the definition force the client to work in a different job while disabled?

3). Will the attractively low premium increase to something unmanageable over time?

Other consumers may be so concerned with having the benefit start as early as possible, that they may inadvertently buy a product that will not meet needs during a disability.  That short elimination period may require a very brief benefit period, or reduced benefit amount to be affordable.

__________

At Disability Insurance Services we will strategize income protection solutions not just on occupational information, but for your client’s personal situation!  Needs can vary between two attorneys the same age based on private employment, self-employment, or public employment.  Our solutions will:

 

1). Balance the elimination period to create an affordable and useful benefit period.

2). Affordably price a monthly benefit with features that your client truly needs.

3). Avoid expensive features that may not benefit your client due to age.

4). Get the right definition to the right client to maximize protection without inflating premiums.

 

Any Questions?

 

Land The Case with LTC

I have spoken with agents who did not cover their clients, while they were insurable, and have heard the regret in their voices.

 

Here is the scenario:

 

The unexpected happens.

 

Health does not cover.

 

The family is burdened.

 

The home and assets are lost.

 

Disability Insurance Services now offers guidance and product tools to help you show your clients how this can be a valuable asset in protecting one's family against financial disaster from catastrophic health circumstances.

Even if you sell a different product to meet the client's need, you have shown your client you are looking at the whole picture.

 

Any questions?