Brandon Roberts

As the month of May comes to an end, we figured we take a second to explore why more agents/brokers don't focus more of their efforts on discussing disability insurance with their clients?

If you've been following along for the month, the answer is probably somewhat intuitive, but we'll dive into it a little deeper, and discuss a nuance topic or two that haven't really been brought up until today.

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I might kill a sacred cow today as we talk about disability insurance (PS: May is almost over meaning this disability insurance bonanza is soon coming to an end), but going against the grain is just sort of in my nature, and you'll learn today that I have no friends when it comes to making thoughtful comments and insurance recommendations.

As we already know, pure (true) own-occ disability coverage means you are considered totally disabled when you cannot perform the material and substantial duties of your own occupation

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No agent, and no insurance company, can declare himself or herself a professional in the disability insurance market if he or she is unfamiliar with Qualified Sick Pay Plans.  For small business owners, this is the ultimate in CYA planning to ensure their earnings don't go bust, and it's yet one more way for business owners attract and retain talented employees who contribute greatly to the bottom line.

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One of the trickiest health conditions to navigate in disability insurance underwriting is a mental nervous disorder.  It used to be the kiss of death for any hopeful proposed insured, and thankfully has gotten much better.

Because mental nervous disorders are hard to prove or disprove, and because they tend to come with the territory of a stressful high income professional career (the crowd most disability insurance carriers like to target) any sign that it could be a problem down the road is an immediate time out for underwriting.

Today we'll dive into how to deal with disability underwriting if you have a history of mental nervous disorder, and how to prepare.

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Disability insurance comes with a multitude of different riders to enhance the contract.  Today we'll dive into what those riders do for you.  Additionally, we'll also touch on some contract features that may not be riders, but do vary from company to company and are a good thing to keep in the back of your mind when comparing policies.

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This is where we probably should have started with disability insurance, but being such geniuses we decided to take a long road to grandmas house (i.e. we never thought of it until now).  So, if you're wondering what disability insurance is all about, how it works, and why you should have it.

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I remember when I was studying for my insurance license and I came across the disability insurance section.  I was sitting in my sales manager's office going through items and I commented that own-occupation was obviously far superior to any-occupation.  Little did I know my little intuitive observation lay at the core of disability insurance comparison.  It may seem unimaginable, but the definition a disability insurance policy uses can vary a lot among carriers, and this definition certainly separates the good from the bad.

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It's May, which means it's DIAM, or Disability Insurance Awareness Month, the one time of year that a very crucial financial insurance tool that goes grossly overlooked by many finally gets a little bit of play.  We've not spent much time talking about disability insurance here on the Insurance Pro Blog, and that's due in large part to time constraints.  This month however, we've made a little resolution to highlight this product.

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