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Products  Disability Insurance (DI) Who is a Candidate
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Disability Income Who is a Candidate?
Nearly Every Working Adult from 18-60 Years Old
Don't forget the STAY-AT-HOME Spouse!
Minimum Requirements:
- $15,000 per year income
- Working 30 hours per week for previous year
Most Likely Buyers:
In reality, only those who make in excess of $30,000 would consider the cost.
Uninsured: If they are working with you then the chances are they can afford it.
Small Business Owners: Insurable income and occupation class may be increased by ownership of business.
Doctors, Dentists, Vets, and Medical Students: Earning power is the greatest asset and must be insured.
High Income Blue Collar Uninsured: Independent construction contractors.
People with Children: Regardless of whether they are covered through their employer plan.
Sole Breadwinners: They are stressed. A lot riding on their income. Could help them avoid rushing back to work too soon in the event of serious illness.
1099ers: Consultants, contract labor, technical professionals.
Commissioned or Incentive Pay W-2 Employees: Like financial advisors who are employees.
Buy-Up Plans For Under Insured:
Many mistakenly believe that they are adequately protected by Social Security or employer-paid, long-term disability plans. However, as the chart to the right illustrates, those plans can leave income gaps as wide as 72% of gross income. Most won't relish the thought of living on...28% of their gross pay! |
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