The Simplified Underwriting Program makes it quick and easy for advisors to get Disability Income cases issued more effectively – fewer underwriting requirements will expedite your case.
No exam, no blood, no specimen, and no tax returns required* – after the basic application has been submitted, your client simply completes a 15 minute telephone interview and the policy is issued within 48 hours.
As one of the nation’s leading Disability Income Protection marketers, we now make available a total of $16,000 of monthly benefit for your Business Owner clients on a simplified underwriting basis.
The policy is non-cancellable, guaranteed renewable, and issued with a top-rated domestic insurance carrier.
Clients age 50 and under can now purchase $10,000 of Business Overhead Expense (BOE) coverage and include an additional $6,000 of monthly individual protection for a total of $16,000 of monthly benefit. Issue ages to age 64, on a multi-life basis with 3 or more employees who share a common employer.
Reach out to your business owner clients who may have an existing group LTD plan in place, or even those who have no plan at all. Typically I’ve found, group LTD plans all have a maximum benefit payable (or CAP) that can be below 60% of the business owner’s salary and the benefits are taxable.
This additional simplified coverage can make up the gap left by their group plan – and the BOE coverage will reimburse the business owner for his company’s fixed expenses, while he or she recovers from the illness or injury, and keep the business running.
Please contact your Disability Insurance Sales Specialist for Marketing Support, or to discuss DI sales strategies that fit your business and can increase your bottom line in 2019.
*tax returns required in CA
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