Disability Insurance Product Info
Why Doctors Need Disability Income Insurance
Why Doctors Need Disability Income Insurance For your clients who are doctors, their ability to earn a living hinges on one crucial factor: their health. After years of education and training, a doctor’s skills are not just their livelihood—they’re a significant financial investment. But what happens if an injury or illness prevents your doctor client […]
Disability Income Insurance Occupation Class Upgrades and New Underwriting Changes from Mass Mutual
Disability Income Insurance Occupation Class and Underwriting Changes from Mass Mutual Last week, Mass Mutual announced disability income insurance occupation class upgrades that may lower premiums and increase monthly benefit amounts. The company also announced new underwriting enhancements that could open opportunities for clients who previously had challenges qualifying for coverage. Disability Income Insurance Occupation […]
Choosing the Right Business Overhead Expense Policy
Choosing the Right Business Overhead Expense Disability Insurance Policy Choosing the right Business Overhead Expense (BOE) policy can help keep your clients business open following a disability. BOE is a unique disability insurance product, focused on keeping a business open following a disability. Specifically, BOE covers a business’s operational expenses if a business owner is […]
The Student Loan Riders on Disability Insurance Policies
The Student Loan Rider on a Disability Insurance Policy The student loan rider should be considered for added peace of mind when buying a disability insurance policy. Disability insurance is a crucial financial safety net for many individuals, particularly those who rely on their income to manage daily expenses and long-term commitments. For many professionals, […]
Understanding the Differences in Disability Definitions
Understanding the Differences in Disability Definitions When purchasing a disability insurance policy, one of the most important aspects to understand is how the term “disability” is defined. This definition forms the basis of when benefits are payable and what criteria you must meet to qualify for those benefits. Different policies use various definitions of disability, […]
Underwriting Disability Insurance with Mental Nervous Disorders
Underwriting Disability Insurance with Mental Nervous Disorders When considering disability insurance, most people think of coverage for physical injuries or illnesses that prevent them from working. However, mental and nervous disorders (MNDs) also play a significant role in an individual’s ability to maintain employment. The Social Security Administration reports that 35% of disability insurance beneficiaries […]
Why Buy/Sell Disability Insurance is Crucial for Business Owners
Why Buy/Sell Disability Insurance is Crucial for Business Owners In the dynamic world of business, ensuring continuity and stability is essential. This is especially important when unforeseen circumstances arise. For business owners, one critical aspect of this stability is having a well-structured Buy/Sell Disability Insurance policy. This type of insurance is designed to safeguard a […]
10-Steps to Filing a Disability Income Insurance Claim
10-Steps to File a Disability Income Insurance Claim No one ever wants to file a disability insurance claim. However, having the proper income protection before you need it will offer peace of mind at claim time. Filing a disability income insurance claim can seem daunting but with the right information and preparation, the process can […]
Disability Insurance and Pregnancy
Disability Insurance and Pregnancy Disability income insurance before and after pregnancy is a frequent topic we’re asked about. Advisors and clients have questions if pregnancy is covered by disability insurance and when benefits might be payable. Sarah A. from Team dibrokerWest recently sat down with Jed Poland, Regional Director of Sales to answer many common […]
Showing the Need for Disability Income Insurance
Showing the Need for Disability Income Insurance Your disability income insurance sales pitch should always start by showing the need for DI. While insurance agents and financial advisors know DI, the typical consumer has probably never heard of disability insurance and therefore doesn’t understand it’s value. Without an income, everything else becomes challenging. From necessities […]
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