DIBroker East / Eskra & Associates
Disability Insurance For Life
As reported on April 20, 2016, Metlife will discontinue individual disability insurance sales on September 1, 2016 (they will continue to offer GSI and underwritten policies that supplement GSI policies). Most of the remaining insurance carriers that offer individual disability insurance, only participate with group LTD to $25,000 or $30,000. A few go to $35,000, […]
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That disability insurance, unlike something like a nice dinner or even a cup of coffee, needs to be sold is a long accepted truth in the world of disability insurance agents and financial planners. Clients do not walk in the door of their insurance agent and say “We should review my need for disability insurance.” […]
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Lessons Learned From a Seasoned IDI Agent By Steve Brady, National Accounts Sales Director at The Standard (Standard Insurance Company) Steve Brady is one of the most creative disability insurance specialist in our industry. Steve put the Standard on the disability insurance map in a significant way when he helped them bring back to the […]
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Sticker shock is a common problem in the disability insurance world, especially for new financial planners and insurance agents who have become used to the very low cost of term life insurance. The cost of a good DI policy, something like a 90 elimination period, with a to 65 or 67 benefit period, residual (for […]
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May is Disability Awareness month, and there are lots of good marketing pieces go around. I particularly like this video from Ameritas, “Income Matters:” https://vimeopro.com/ameritas/ameritas/video/108612367
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E-apps and E-delivery are here now at last. AI will arrive later, but arrive it will. A future blog will address AI. The insurance industry is not known for being on the cutting edge of technology–to put it mildly. And the individual disability insurance market, our small portion of this vast industry, tends to be even […]
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