DIBroker East / Eskra & Associates
Disability Insurance For Life
Designing a policy for your client The basic idea in disability insurance is to replace lost income in the event of a disability. The policies we offer are comprehensive policies. They cover disabilities whether they developed on or off of the job. In designing the best possible policy for your client, the first thing to […]
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Step 1: Establishing the need “What would happen to your lifestyle if you were sick or hurt for a year or more and could not work?” This simple question or some variation of it, such as “Can you afford to retire right now?” is the first step in the sales process. Disability insurance must be […]
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Glossary of DI Definitions Automatic Increase rider (AIR) Capital Sum or Principal Sum Benefit Catastrophic Disability Rider (Cat Rider) Cost of Living Adjustment (COLA) Elimination Period Guaranteed Renewable Non-Cancellable and Guaranteed Renewable Own Occupation Rider Pre-Disability Earnings Presumptive Disability Purchase Option (APB, GIO FIO, FPO or Benefit Update) Recurrent Disability Rehabilitation Benefit Residual Disability Transitional […]
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Disability Insurance Basic Concepts Here we outline the concepts related to disability insurance. The most fundamental idea is that disability insurance replaces lost income in the event of injury or illness that prevents your client from being able to earn a living. If your client’s financial lifestyle would be adversely affected by a disability, he […]
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An Overview of the Point of Sale Understand your client’s occupation. What does he do on a daily basis? Get to know what your client feels are his “substantial and material” duties. If you get up and go to work in the morning, you have a need for disability insurance. The first step in selling […]
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