Think of your largest income-producing clients. With a clear picture in mind, let’s brainstorm. What is the profle? Entrepreneur? Privately held business owner with income of the charts? Fabulously wealthy, globe-trotting celebrity? Let’s look at a case with a successful business owner. We’ll assume he is 51, owns a 60 percent controlling stake in a [...]

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Clients can become easily confused when a financial advisor starts talking about insurance options. This is especially true when explaining the differences between long-term care insurance and disability insurance. There are some important distinctions you can help clients to understand.

There is a strong trend in the industry towards selling groups of policies in one setting, rather than selling single policies one by one. This trend makes good business sense for carriers, who benefit from the high quality business generally associated with multi-life sales. It also makes good sense for you, in terms of improved [...]

Individual DI Quote Request Sheet Standard Occ Class and Income Documentation Requirements

How to explain the product: A Business Overhead Expense (BOE) policy pays overhead expenses if an insured business owner or employee becomes disabled. The policy is typically short-term, from 12 to 24 months, and is designed to keep the business running until the insured recovers from a disability. BOE policies typically cover rent, interest payments [...]

If you find yourself struggling with the plethora of disability terms, don’t worry! You’re not alone, and we’re here to help. Today DI Joe is going to give you a quick tour of the individual DI world. It’s easier than you think!