The need for an income protection plan is not limited to the Executive, Doctor or Attorney earning in excess of $150,000. According to the U.S. Census Bureau, in September 2013 the average annual income in the United States was $51,017 from all occupations. Average everyday working people (Middle America) are just as dependent on their income to provide for themselves and their families as anyone in the higher tax brackets.
The opportunities are endless – reach out to your clients, friends, families, fellow club members and co-workers. Ask if they have an income protection plan in place should they get sick or hurt. Offer them an affordable plan to protect them and their family. Of the Advisors I speak with every day, Life Insurance Agents, Health Insurance Agents, and P&C Brokers – 92% are not talking to their clients about income protection and how affordable it can be.
You can differentiate yourself as an advisor just by offering valuable coverage to your clients that likely no one has ever spoken with them about.
Did you know that the premium for a 45 year old Office Clerk for $2,500 monthly benefit is only $51 per month? There are affordable plans even for part time Dental Hygienists and Registered Nurses working as little as 24 hours per week.
Talk about opportunities, there are over 192,800 Dental Hygienists in the US earning an average annual income of $70,000 http://www.bls.gov/ooh/healthcare/dental-hygienists.htm) and 2.7 million Registered Nurses earning approx the same income. http://www.bls.gov/oes/2011/may/oes291111.htm
Never let premium be the reason your client’s income is left unprotected from an injury or sickness. The new affordable DI plans can fit most any budget. The premium for a 35 year old Dental Hygienist for $2,500 monthly benefit is only $54.20 per month.
You are at the frontline to educate your clientele about the vital need for income protection in the event of an injury or sickness. Your clients want to buy Income Protection, but they need someone they know and trust to ask them about it.
Discuss income protection insurance with all your prospects and clients, because they may not understand the risk of losing their income should an injury or an illness strike.
For marketing tools and sales ideas, contact your Disability Income Sales Expert today.
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