As a longtime leader in the DI space, we see the markets where disability coverage is needed most. Our products are perfectly suited for the middle market, providing protection that does more at an affordable price. You may see success with occupations that frequently see the consequences of disability, like nurses and physical therapists. We tend to see more men than women purchasing long-term DI coverage (65% versus 35%), while women see more value for short-term DI due to its pregnancy benefits and ability to combine with long-term DI.
Small business owners have a larger need than most people for disability insurance, as their income pulls double duty for their family and their business. Help them get more from their coverage with options just for them on Century+ DI and Business Overhead Expense DI:
• Multi-life Discount for 3 or more issued policies (15% on Century+ and 5% on BOE) • 20% Small Business Owner Income Enhancement • Business Owner Occupation Class Upgrade
Conversation Starters
Ask these questions to help your clients realize the value of protecting their income.
• How much income would you need to support your family if you could no longer work due to illness or accident? • How long would your savings last if you were unable to work? • How would you afford to pay your mortgage or rent if your paycheck stopped? • You insure your car and your home – why not your income? • What’s the most important asset you have?
1 CNBC, 61 Percent of Americans Live Paycheck to Paycheck Even as Inflation Cools, 2023 2 Social Security Administration, Disability and Death Probability Tables for Insured Workers Born in 1999, 2020
