Make the most of it
Many of those who specialize in Disability Insurance (DI) do so with more than just the bottom line in mind. We think DI Awareness Month is special because we recognize its fundamental importance to working Americans.
Too many of us have seen the financial struggles of uninsured families when an income earner loses their physical ability to make a living. On the other hand, we’ve also heard the stories and witnessed our clients being saved by the benefits of
a DI policy. We’ve seen them keep their homes, pay their bills, and send their children to college – even though an accident or an illness has taken away their ability to work.
The DI industry is a mere fraction of life insurance sales in this country, but DI is imperative, and it has a significant financial impact. During one’s working years, disablement is more of a reality than you may think. You’d think this type of insurance would be prescribed as readily as life insurance – but that’s simply not the case. And that’s why this month is so important to the greater insurance industry.
A wealth of DI materials
In celebration of Disability Insurance Awareness Month, we want to highlight our comprehensive DI platform, which is loaded with helpful resources. These informative materials offer insight into risk-management planning to help jumpstart the DI conversation with your clients in order to better understand the importance of DI and the valuable protection it offers.
A disability event may be the largest blind spot in your clients’ financial plans. Are you missing out on a crucial part of your client’s overall risk management portfolio – protection of their income?
Our dedicated DI team
Our dedicated DI team provides immediate value to you and your clients through solution expertise, processing support, and advocacy from pre-sale to post-sale to get their cases done expediently and correctly.
DI client profiles
Do you know which of your clients may be most in need of DI? Our DI Client Profiles not only identify those individuals who may have the largest gap in income protection, they also provide questions that prompt clients to think about the impact a disability
or illness could have on their finances and lifestyle.
In the meantime, if you need more information on DI planning strategies and products, please visit our web page or contact your Highland Vice President.
Other DI organizations and references
We need to show clients that they’re at financial risk without adequate amounts of personal, disability insurance.Their businesses are also potentially at financial risk without adequate amounts of business, disability insurance. And we need to
remind financial advisors how to promote and sell DI – for the benefit of their clients.
Organizations like the International DI Society, the Council for Disability Awareness, and Life Happens place an enormous effort and fiscal backing each year into the promotion of DI – and May is their month to shine. Please check out their websites
for a vast depository of disability-related information, statistics, videos, and tools you can use.
According to a Life Happens study, three in 10 Americans will become disabled for a period in excess of 90 days during their working career. The value of DI couldn’t be clearer. Although commonly misunderstood, and often ineffectively prescribed by insurance professionals, DI should more often be a focal point of insurance sales presentations. Disability Insurance matters because your clients matter, and this Awareness Month can help you show them just how much they do.
The eye-opening statistical information can be found on the websites listed above and they make for great sales pieces. Additional educational tools (insurance calculators and real-life testimonials) are also provided by these organizations – free
of charge.Take advantage of these programs and materials, as they can only improve your knowledge of such an overlooked market.