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title: Ash Brokerage Sales Idea - Nurse
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# Sales Idea

## Registered Nurse

#### Market Watch

Registered nurses need disability insurance just like their medical doctor co-workers. Although registered nurses employed in the state and federal government can make underwriting trickier, you can get the product and processes to help expedite the sale.

### Over 3.1 million RNs in the U.S.*

### Expected to grow 6% over the next 10 years*

#### Client Scenario

Taylor is a 32-year-old registered nurse in Morgantown, WV, earning $78,000. At the local hospital, she sees the impact of disabilities on her patients every day. Taylor is married and pregnant with her first child.   
Occupation Class: 3A | Non-smoker

#### Concerns

As the primary breadwinner, Taylor’s income is vital for her family’s stability. They have $180,000 left on their 20-year mortgage, and about $12,000 in credit card debt. She has 10 years left on her $650 monthly student loan payment. With a household income of $160,000, and a debt-to-credit ratio nearing 35%, financial flexibility is limited as they plan to buy a bigger house for their growing family.

#### Solution

Protecting Taylor’s paycheck will be a competing priority with other bills now and in the future. Taylor applies for a disability insurance policy with Accident & Sickness coverage. It provides a $900 weekly benefit for up to 2 years with a 90/90 day elimination period to cover her basic needs. 

#### $69.31 Total Monthly Premium  

for her Income Protection Disability Income Insurance policy 

 

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Illustration based on a 32-year-old female, Non-Tobacco, occupation class 3A

*Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook, Registered Nurses, Based on the 10-year period 2021-2031.