When you are helping clients think about income protection, you should make sure you have theses three essential pieces of information to share with underwriting. Occupation — You need to know your client’s occupation to help underwriters know the level of risk associated with the job Medical History — Knowing your client’s medical history can help underwriters make accurate and quick decisions Income — Your client’s income is the primary factor in determining the right maximum benefit amount To learn more, view the underwriting basics flyer. Know the Basics of DI Underwriting #goldencareagent #mutualofomaha
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The Risk is Real
While most people don’t think twice about purchasing auto, homeowners’ or even life insurance, they often fail to realize that their most valuable asset is their ability to earn an income. Suffering a disability for any length of time because of a sickness or injury could have devastating financial consequences for clients. Here are some insights into how real the risks are: At least 51 million working adults in the United States are without disability insurance other than the basic coverage available through Social Security. Only 48 percent of American adults indicate they have enough savings to cover three months
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Priority Income Protection® Quote & e-Application Training Video
The Priority Income Protection (PIP) quote and e-Application allows you to offer quotes, then complete and submit applications online. There are great features built-in, so you can easily navigate through the e-Application. e-App Features Visual clues allow you to track your progress Prompts will tell you if something is missed Helpful definitions are provided wherever you see a question mark symbol Auto-save function retains all information as you complete sections A dashboard shows all your e-Apps in progress Watch a video on how to run a quote and complete a PIP e-Application. The quote and e-Application link is available on
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Basics of DI Underwriting
Unfortunately, many Americans are totally unprepared for the financial hit that a sickness or injury can bring. If your clients don’t have disability income insurance, then their financial portfolio may be at risk. When you are helping clients think about income protection you need to understand how eligibility is determined by your client’s occupation, medical history and income. View Know the Basics flyer. Basics of DI Underwriting #goldencareagent #mutualofomaha
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DI Training Webinars
As a financial professional, you’ve likely seen how much income protection helps when someone needs it the most. Disability Insurance Awareness is a great time to learn about income protection and for you to talk to your clients about how disability income insurance can protect their lifestyle, their assets and most importantly, their family. We’re hosting a series of training webinars this month, so put the webinars on your calendar today. To join simply click “join now” on the webinar schedule, no registration needed. View DIAM webinar schedule. DI Training Webinars #goldencareagent #mutualofomaha
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May is Disability Insurance Awareness Month
May is Disability Insurance Awareness Month, so it’s a great time to talk with clients about income protection and what it could mean for their families when they need a real difference maker. When we think about our most valuable assets, we often think about our home or the other things we own. But for most people, their most valuable asset is actually their income. Consider this: If you were sick or injured and unable to work, how would you pay the mortgage or rent? Make your car payment? Pay health insurance premiums? Your income allows you to live your
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Start the Disability Income Insurance Conversation Today
Disability Insurance Awareness Month is here, making it a great time to remind clients about income protection and how it helps protect their ability to earn an income. Disability income insurance is a fairly easy topic to talk about – and one your clients should quickly understand. Yet, nearly 7 out of every 10 working Americans say they can’t make it a month without a paycheck before feeling major financial strains. Here are questions you can ask to start the income protection conversations: If you become sick or injured and unable to work, who’ll pay your expenses? Do you have
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