Disability Insurance Blog
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 […]
Disability Insurance Providers and Errors and Omissions Insurance
Disability Insurance Providers and E&O Insurance: Protecting Your Practice Disability insurance is a vital safety net for individuals, offering income protection when illness or injury prevents them from working. Providers of disability insurance play a critical role in ensuring that clients receive the benefits they need when life takes an unexpected turn. However, the nature […]
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 […]
The Pros and Cons of Using Text Messaging for Business
The Pros and Cons of Using Text Messaging for Business In an increasingly digital and fast-paced world, communication methods are constantly evolving. One of the most prevalent forms of communication today is text messaging. Its use spans personal interactions to business transactions, including the sale of disability insurance. While there are numerous advantages to using […]
Selling Disability Insurance: A Storytelling Approach
Selling Disability Insurance: A Storytelling Approach In the realm of insurance, few products carry as much weight as disability insurance. This crucial coverage often gets overlooked, yet it serves as a financial lifeline when life takes unexpected turns. To truly understand its value, let’s explore the benefits of selling disability insurance through the lens of […]
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