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DI Case Study On An NFL Running Back

As we head into the Divisional Rounds, now is the perfect time to share a case study of an NFL running back we worked on earlier in the off season.
 
In this case, the NFL Running Back being drafted in the second round of the NFL draft and completing three successful seasons, the player was approaching free agency and his biggest paycheck to date. To protect himself and his future income, he needed an insurance policy in place before he hit the field in the fall.
 
Assessment
 
Due to the physical nature of the sport, it was made apparent that if the player suffered an injury or illness resulting in a permanent total disability before he signed a new contract, his future income would be lost. The first policy placed covered $5 million in benefit, but his recent stellar performance moved the advisor on the case to request an increase in disability benefit at the time of renewal.
 
Solution
 
Our Disability Income Support Team worked with the player’s Agent and Insurance Advisor to develop a $10 million permanent total disability policy, which would soften the blow in the event the player became permanently totally disabled before his next big contract was signed.
 
Result
 
This tax-free benefit gave the player peace of mind – if he suffered a serious injury or illness while playing football, his future contract and lifestyle would be protected.
 
The premium for this case was roughly $90,000 plus taxes and fees.
 
Even though NFL super-stars need specialized coverage due to the nature of their sport, it’s important to remember that high-earning individuals have a gap in disability income protection as well.
 
Contact your DI Sales & Marketing Specialists for more information on unique DI solutions.
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Disability Income For Medical Professionals With Adverse Medical History

Medical professionals spend a lot of time and money advancing their careers and thus recognize the need for Disability Insurance. In order to address the needs of this target market, we specialize in providing coverage for those clients regardless of adverse medical, financial and personal history.

DI Case Study Example
  • General Surgeon – 4A Occ Class
  • Age 41| $300,000 income

Although the client was diagnosed with type-1 diabetes two years ago, is insulin stable and has no secondary issues, the client was originally declined for DI coverage due to the pre-existing medical condition. The client currently has a 60% income replacement ratio through their employer with a $10,000/mo cap.

The broker contacted our DI Specialist for alternative plan options. After review, and considering the pre-existing type-1 diabetes, we were able to secure an offer for coverage – the client was able to review multiple plan designs and select an elimination period and benefit period that best suited their premium budget.

Here is the DI solutions they chose:
  • $8,700 monthly benefit amount
  • 75% income​ replacement less underlying GLTD
  • 180-day elimination period
  • 7-year benefit period
  • No exclusion for diabetes!
  • $3,965.87 annual premium*
  • $4,521.92 with own Occupation Extension Rider
  • $360.89 monthly premium*
  • $411.49 with own Occupation Extension Rider

Our DI Specialists will work with you and your client to secure meaningful solutions with affordable premiums for your clients that feel they may not qualify for income protection due to health, occupational, or financial situations.

*IMPORTANT DISCLOSURE: The benefits, limitations and/or exclusions described herein are for general illustration purposes only and may vary by state and client profile.

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Permanent Total Disability Coverage For MLB Player

During the months of December, January, and February, we typically see the bulk of MLB athletes purchase disability coverage, so we thought it fitting to share a case study of a super star baseball player.
 
The Outfielder / Designated Hitter was in his last year of his current contract, approaching free agency, and projected to sign a five-year $105 million contract. The advisor on the case was challenged with securing an adequate amount of permanent total disability to safe-guard the player against a career-ending injury or illness.
 
The premium was roughly $250,000 plus taxes and fees.
 
Client
 
A professional baseball outfielder and designated hitter on the cusp of signing a multi-million-dollar contract.
 
Situation
 
The young and healthy MLB super-star was in his last year of his current contract, approaching free agency, and projected to sign a five-year $105 million contract. The player saw the need to protect his high performing status should he become significantly injured or sick prior to signing his next big contract.
 
Assessment
 
The advisor, working with the player’s agent and financial advisor, was challenged with securing an adequate amount of permanent total disability. The permanent total disability coverage would protect the player in case of a career-ending injury or illness.
 
Solution
 
A $25 million permanent total disability policy designed to pay a lump sum.
 
Result
 
The advisor, agent, financial advisor and player were all thrilled to have obtained a comprehensive policy. With the policy in place, the player could focus on playing the sport he loves knowing that he was protected against a career-ending injury or illness.
 
If you’re currently working with a high-income earner ($500k+ annually) who is an all-star in their own field, it is very likely they have exceptional income exposures.
 
Please feel welcome to share this case study with your centers of influence and baseball fans. Contact your Disability Insurance Specialist for assistance today.
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Permanent Total Disability Coverage for MLB Player Copy

During the months of December, January, and February, we typically see the bulk of MLB athletes purchase disability coverage, so we thought it fitting to share a case study of a super star baseball player.
 
The Outfielder / Designated Hitter was in his last year of his current contract, approaching free agency, and projected to sign a five-year $105 million contract. The advisor on the case was challenged with securing an adequate amount of permanent total disability to safe-guard the player against a career-ending injury or illness.
 
The premium was roughly $250,000 plus taxes and fees.
 
Client
 
A professional baseball outfielder and designated hitter on the cusp of signing a multi-million-dollar contract.
 
Situation
 
The young and healthy MLB super-star was in his last year of his current contract, approaching free agency, and projected to sign a five-year $105 million contract. The player saw the need to protect his high performing status should he become significantly injured or sick prior to signing his next big contract.
 
Assessment
 
The advisor, working with the player’s agent and financial advisor, was challenged with securing an adequate amount of permanent total disability. The permanent total disability coverage would protect the player in case of a career-ending injury or illness.
 
Solution
 
A $25 million permanent total disability policy designed to pay a lump sum.
 
Result
 
The advisor, agent, financial advisor and player were all thrilled to have obtained a comprehensive policy. With the policy in place, the player could focus on playing the sport he loves knowing that he was protected against a career-ending injury or illness.
 
If you’re currently working with a high-income earner ($500k+ annually) who is an all-star in their own field, it is very likely they have exceptional income exposures.
 
Please feel welcome to share this case study with your centers of influence and baseball fans. Contact your Disability Insurance Specialist for assistance today.
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Simplified Underwriting That Your DI Cases Need

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 or completes the Online Health Questionnaire and the policy can be issued within 48 hours.
 
As one of the nation’s leading Disability Income Protection marketers, we now make available a total of $25,000 of monthly benefit for your Business Owner clients on a simplified underwriting basis.
 
The policy is non-cancellable, guaranteed renewable to age 65, and issued with a top-rated domestic insurance carrier.
 
Clients age 50 and under can now purchase $15,000 of monthly Business Overhead Expense (BOE) coverage and include an additional $10,000 of monthly individual protection for a total of $25,000 of monthly benefit. Multi-Life Issue to age 64. (3+ Lives)
 
The Opportunity
 
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 2024.
 
*tax returns required for Self-Employed
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Top 5 Reasons To Market Disability Income Insurance

Disability Income Insurance (DI) is one of the most overlooked yet essential products in financial planning. It safeguards your clients’ income—the foundation of their financial security—while helping you expand your portfolio and stand out in a competitive market.

If you’re not offering DI, you’re missing a powerful opportunity to meet client needs and grow your business.

Here are the top 5 reasons to market Disability Income Insurance:
  1. Meets essential client needs. Disability Income Insurance (DI) protects clients’ income, addressing a risk more likely to disrupt finances than death. DI ensures financial stability if clients cannot work due to illness or injury, covering critical expenses and maintaining their lifestyle.
  2. Enhances your portfolio and sales. DI compliments life and health insurance, enabling cross-selling and creating comprehensive financial plans. Clients with multiple products are more loyal, increasing retention and satisfaction.
  3. Offers strong commission potential. DI policies provide competitive first-year commissions and ongoing residual income. Many carriers offer bonuses and incentives, making DI a valuable addition to your sales strategy.
  4. Differentiates you in the market. Few agents offer DI, so including it sets you apart and demonstrates a commitment to clients’ overall financial health. This specialization builds credibility and trust.
  5. Supports clients during difficult times. DI serves as a financial safety net during disability, fostering long-term relationships and increasing referrals. Clients value advisors who prioritize their complete financial security.
Ready to differentiate your practice and boost your revenue?

Start offering Disability Income Insurance today and position yourself as the advisor who truly protects clients’ financial futures. Contact us now to learn how to integrate DI into your sales strategy.

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3 Things Employees Don’t Know About Their Disability Benefits

Protecting one’s ability to earn an income remains among the most important financial planning goals for many individuals.

Without income, many financial strategies can simply derail.

Yet, many employees with employer paid LTD plans could be under-insured in the event they became too sick or injured to work.
 
A new study released by The American College, Employer Perspectives on Disability Benefits, conducted by the Boston Research Group, shows:
 
  • Most group Disability Income benefits are taxable. Employees may receive a benefit that is only half their paycheck amount.
  • Few group Disability plans protect variable compensation. For employees who depend upon overtime pay, commissions and bonuses, the post–disability reality could mean not having enough income to meet their expenses.
  • High earners are maxed out. The maximum benefit amount in group plans limit benefits for highly compensated Executives and Business Owners.
For more information or sales ideas about Disability Income Insurance, contact your Disability Income Insurance Manager today.
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Increase Your Sales With This Fast Track Sales Tip

It’s common for advisors to jump to the solution before making sure their clients comprehend what is at stake should they get sick or hurt and not be able to work and provide an income.

The first step, and the most important, is conveying the necessity for income protection to your clients.

Start by finding out what’s paramount to them. The things your clients value the most require the most protection: Family, Home, Financial Plans, Secure Futures – help clients identify what they can lose should something happen to their ability to earn an income, and acknowledge that it’s a problem needing attention.
 
Financial Security: If the paychecks stop, how will they pay their monthly bills?
 
Few middle income families have enough savings to make ends meet if they should lose their income for more than a few weeks. When the paychecks cease, monthly bills will begin to deplete savings – setting back plans or priorities, perhaps even for years. For these clients, the definition of income protection is about knowing they can meet their financial obligations and protect their future plans.
 
Supporting the Family: What changes will they face?
 
On top of losing a paycheck, a disabling illness or injury can mean changes for the whole family. Plans are put on hold, routines are changed, family members must pitch in more – and the calendar fills with doctor’s appointments, which leads to more medical bills, and the urgent question becomes, “When will things get back to normal?” It’s important for them to know there’s a way they can still support their families and keep life as normal as possible if they become unable to work.
 
Focus on Recovery: How will they recover if the stress of finances is haunting them?
 
The last thing someone needs when they’ve experienced a disabling illness or injury is the stress of worrying about bills and other financial obligations while they recover. It’s difficult enough to be facing an uncertain future without the constant worry of financial set-backs – it’s important to know they’ll have a plan in place and monthly Disability Insurance benefits which will help keep things on track, so they can focus on getting well.
 
Contact your Disability Income Sales Rep for guidance – we’ll help you identify the best solution for each of your clients’ needs.
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Disability Buy-Sell Planning With A New Twist

We’ve seen how some traditional funding ideas for Buy-Sell Agreements have not met a client’s need as effectively as they should. Below is a unique way to look at Disability Buy-Sell Funding that may put your client in the best possible position.

Case Design:
  • 40-year-old Attorney, 25% Partner in a law firm worth $4 million
  • Current Annual Income $200,000
‘Traditional’ Funding Buy/Sell Agreement:
  • $1 million Term Life Insurance Policy in the event of premature death
  • $1 million Disability Buyout (DBO) Policy with 365-day Elimination Period (EP) & Lump Sum Benefit = $3,780 Annual Premium
‘Unique’ Funding Buy/Sell Agreement:
  • $1 million Disability Buyout (DBO) policy with a 730-day EP & Lump Sum Benefit = $2,880 Annual Premium
  • $900 annual Savings from ‘Traditional’
NOW ADD
  • $11,230 Monthly Benefit Individual DI policy with 90-day EP and 2-year benefit
  • $752 Annual Premium
  • $148 Total Annual Savings from ‘Traditional’

If the partner gets sick or hurt and cannot work, the Individual Disability Insurance (DI) policy will pay 67.3% of his income (tax free) for up to 2 years.

If the partner recovers from his illness or injury before the 2-year benefit runs out, he will not need to sell his shares of the practice, and he can return to work. Once he gets back to work full-time for 6 months, his Individual DI policy with 2-year benefit is reset and has a full 2-year benefit again.

The new plan design gives the partner more time to recover from the illness or injury – without having to worry about the company Buy-Sell Agreement forcing the firm to buy him out when he has recovery in sight.

If he does not recover after 2 years, the Individual DI policy benefit stops and the DBO policy will pay the partnership $1 million, tax-free, to help buy out his share of the business at current market value.

Contact your DI Specialist for more information about this strategy.

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Income Protection: The Missing Piece In Financial Wellness

We routinely insure our phones, cars, appliances—even our golf clubs—often without a second thought. But what about the one asset that makes all those purchases possible? Your income.

Income Protection is not just another insurance product—it’s the foundation of a resilient financial plan. Yet, it’s often overlooked by both advisors and clients.

The consequences of a long-term disability can be devastating, not just financially but emotionally. That’s why it’s time to shift the conversation.

Why Income Protection Deserves a Seat at the Table

Many advisors focus narrowly on life or health insurance, unintentionally leaving clients exposed to income loss due to illness or injury. By introducing disability income protection into your client conversations, you’re not just expanding your product mix—you’re offering a lifeline.

Income Protection helps clients maintain their lifestyle, pay bills, and avoid dipping into savings or going into debt. It’s simple, affordable, and often requires no medical exams. And for advisors, it’s a long-term revenue stream that goes far beyond first-year commissions.

Start the Conversation

Clients may not know they can purchase individual Income Protection plans outside of employer-sponsored options. That’s where you come in. Use these questions to spark meaningful dialogue:

  • “If you couldn’t work for an extended period, how would you pay your bills?”
  • “Do you have enough savings to cover your expenses during recovery?”
  • “What’s your plan if your paycheck stops?”

These aren’t scare tactics—they’re reality checks. Most Americans don’t have enough savings to weather a prolonged income disruption. Framing the conversation around financial stability—not disability—makes the message more relatable and actionable.

Your Book of Business Is a Goldmine

Review your client list. Are you offering Income Protection to every household and business owner? If not, you’re missing an opportunity to deepen relationships and boost profitability. Income Protection isn’t just for high earners—it’s for anyone who relies on a paycheck.

Let’s Make It Easy

Need help crafting your message? Want customizable marketing materials? Reach out to your Disability Insurance Support Team. We’re here to help you educate, engage, and empower your clients.

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