Individual, Mortgage, Business Overhead Expense, Graded Benefit plans available.

United Underwriters Disability companies:

Assurity - American General Life Insurance Company - Mutual of Omaha - Union Central

Click here to request a quote!

When your clients are healthy and working, it’s hard for them to imagine being disabled by illness or injury.
But it can happen. In fact:

• One in 3 working Americans will become disabled for 90 days or more before age 65. *
• The average disability absence is 2 and a half years. *
• More than 80% of working Americans don’t have disability income insurance or aren’t covered adequately. **
• An individual’s chances of disability are 2 to 3 times greater than death during their working years.*

*Commissoner's Individual Disability Table A
**National Underwriter Magazine, May 2001

Help your clients plan ahead to protect their lifestyles!

Disability Pre-Approach Letters:

• Your Income is Essential - It Needs Protection (Here are 10 pre-approach letters for you to use)
• How important is your income?
• Mortgage Disability
• When Disability Happens
• Life without a paycheck
• Disability for business owners

Sales Ideas:

• "Yes I Worry. How Would My Business Survive if I Became Disabled"
  Sales idea for clients explaining how to use a Disability Overhead Expense Plan to cover necessary business expenses while the owner is partially or totally disabled.


• "It Won't Happen To Me"
  Sales idea for clients that asks the question how loss of income and increased expenses as a result of cancer treatment could impact family income and how disability income protection can help.
• Building a Foundation for Financial Security
  Producer sales idea emphasizing the value of using life insurance, annuities and DI as the foundation to build the clients’ financial plan.