Studies have shown individuals are more likely to suffer loss of income due to a disability rather than an untimely death, during his or her working years. Disability income protection can provide your client time to develop a plan for future income.
Most disability income quotes are calculated for the maximum benefit based upon the client's income. Consider quoting a modest monthly benefit amount of perhaps $750 to $1,000 which could satisfy your client's mortgage payments and possibly a monthly auto loan payment as well. If your client finds the premium requirement meets his or her budget constraints, then you could discuss the option for increasing the monthly benefit to a higher amount or to the maximum allowed based upon income.
We can help you secure short term and long term disability, as well as business overhead and disability buy-out protection. If you would like a proposal, please complete the below DI Quote Request form and return to our office.
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