Leading Edge Disability Center

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Leading Edge Disability Center
www.DisabilityCenter.com

Disability Insurance Market is changing AGAIN
!!!

• The Disability insurance market is changing. This
  seminar is meant to bring you up to speed with
  some of the changes that occurred in the last few
  months and the way our disability insurance
  carriers do business.
• We will discuss
• New products
• New riders
• Simplified Underwriting
• Guaranteed issue DI

in association with and
Medical Personnel Pool Association

• Leading Edge Disability Center
• [phone]
• Eddie_at_DisabilityCenter.com

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Leading Edge Disability Center HOW WE CAN HELP
YOU
Back office support we are YOUR DISABILITY
CENTER your one stop shop. We truly know DI and
can help you sell it even if you never sold DI
before. We represent all major carriers
for DI. We can find coverage for all white
collar, blue collar, medical occupations, high
risk occupations, niche products, substandard
. We will help you from pre-screening cases, to
underwriting, to policy issue. Rest assured
knowing that you have somebody available at all
times to answer your (clients) questions
regarding their DI policy. 1-888-677-6575
Office_at_DisabilityCenter.com
   
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Leading Edge Disability Center OUR CARRIERS
   
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Leading Edge Disability Center
www.DisabilityCenter.com

Disability Insurance today

• Whats new
• Whats hot
• Sales Ideas
• Who needs Disability Insurance? Where to sell it?

www.DisabilityCenter.com
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Disability Insurance today

• Whats new
• Changes easier underwriting process with most
  carriers
• Faxed applications accepted no need to mail
  paper application in most cases
• Scan/email/fax apps, income documentation
• New Issue limits increased DI limits for most
  specialties
• Medical Residents and new to practice physicians
  have higher issue limits
• True Own-Occ for all medical specialties

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Disability Insurance today

• Whats hot
• OWN-OCC for all occupations
• TRUE OWN-OCC for all doctors
• Return of Premium
• GSI Guaranteed Standard Issue
• Unisex rates 40-50 savings for females
• about 15 savings for males
• Association discounts / Multilife discounts
• Simplified Issue no medical underwriting

www.DisabilityCenter.com
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Disability Insurance today

• UNION CENTRAL
• Dentists get TRUE OWN-OCC now
• Surgeons get TRUE OWN-OCC
• Deep discounts available for 4A doctors
• Non disabling injury benefit - not new, but often
  forgotten no other carrier has it!!
• Good health benefit reduces the waiting period
  by 2 days for each policy year without a claim
• Faxed applications are accepted
• GSI minimum 5 lives (ER paid) available for
  medical residents

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Disability Insurance today

• BERKSHIRE
• Retirement security added as a rider can also
  be taken as a stand-alone policy
• True own-occ for all occupations
• 10-year and To Age 67 benefit periods added
• No cost AIR (Automatic Increase Rider)
• Premium rate reductions for many occupations and
  females too.
• NEW step rate available
• Multilife discounts for 2 lives minimum

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Disability Insurance today

• METLIFE
• Issue limits increased to 20,000/mo. DI benefit
• Refund of Premium rider also called Good Health
  Benefit 50 of premium returned every 5 years.
• Spousal Catastrophic Rider - Spouse must be
  non-working, or working part-time, not exceeding
  30 hours per week. Benefit period is either 2 or
  5 years and cannot be longer than the benefit
  period on the base policy.
• Own-occ for 4M and 5I occupational classes
  (include surgeons and dentists) age 45 and
  younger

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Disability Insurance today

• PRINCIPAL
• Simplified Underwriting for DI, BOE and BUY/OUT
  no medical underwriting / NO BLOOD / NO URINE /
  NO EKG no income documentation needed
• Retirement Security DI no proof of pension
  contribution necessary
• Stand alone policy Retirement DI
• Buy/Sell Disability plans
• Transitional own-occ rider available
• Issue max 15,000 monthly benefit participate
  to 15k/month.
• Association discount 20 and unisex rates for
  Dental school students and Medical residents

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Disability Insurance today

• ASSURITY
• Simplified Underwriting
• Best carrier for blue collar occupations to
  age 65 benefit available for most blue collar
  workers
• Increased Issue Participation limits
• Substandard coverage to 11,000 monthly benefit
• Critical Illness coverage
• Will write BOE for small businesses

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Disability Insurance today

• MUTUAL OF OMAHA
• Short term individual DI
• Short Term Accident-only DI
• Long Term Accident-only DI
• Accident Illness LTDI
• Critical Illness rider or stand-alone policy
• Own-occ rider to age 67 available
• Return of premium 80 refunded after 10 years

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Disability Insurance today

• Medical conditions accepted
• Cancer
• Alcoholism
• Heart disease
• Encephalitis
• Hepatitis
• Lupus
• Mental/nervous
• Parkinsons
• Stroke
• Tuberculosis
• Ulcers
• Vertigo
• AND MANY OTHERS

• FIDELITY SECURITY
• Substandard carrier
• Guaranteed Renewable
• Benefits up to 11,000 monthly
• Non-Medical underwriting
• No occupational class distinction
• Graded Benefit first 2 years
• Partial disability included

www.DisabilityCenter.com
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Disability Insurance today

• LLOYDS OF LONDON
• DI benefits over 40,000 per month !!! (in
  addition to other existing Individual DI through
  other carriers)
• Buy/Sell DI plans Severance agreements
• Key Person DI
• Loan Indemnification DI policy
• DI for entertainers, athletes, special risk
• Will insure after age 60
• Covers kidnap ransom, terrorism.

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DI SALES IDEAS

• Everything Rests on Income!

www.DisabilityCenter.com
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DI SALES IDEAS

• Everything Rests on Income!

• Ask your client
• Whats your most valuable asset?

Average Income to Age 65
Current Age 25,000 35,000 50,000 60,000 100,000 125,000 150,000
30 875,000 1,225,000 1,750,000 2,100,000 3,500,000 4,375,000 5,250,000
35 750,000 1,050,000 1,500,000 1,800,000 3,000,000 3,750,000 4,500,000
40 625,000 875,000 1,250,000 1,500,000 2,500,000 3,125,000 3,750,000
45 500,000 700,000 1,000,000 1,200,000 2,000,000 2,500,000 3,000,000
50 375,000 525,000 750,000 900,000 1,500,000 1,875,000 2,250,000
55 250,000 350,000 500,000 600,000 1,000,000 1,250,000 1,500,000
60 125,000 175,000 250,000 300,000 500,000 625,000 750,000
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DI SALES IDEAS

• Money Machine

• Ask your client
• If you had a machine that would give you
  275 everyday, what would you do?

• ? You do have such a machine its you!
• ? Make sure you protect your money machine if
  it breaks down.
• ? You can help replace the income it is no longer
  making.

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DI SALES IDEAS

• The Goose that laid the golden eggs

Did you forget to insure ME ???

• Ask your client
• If you had a goose that laid golden eggs, which
  would you insure?
• We all insure our home, our cars, belongings
  all these are the eggs, but how about the
  goose your ability to earn an income ?

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DI SALES IDEAS

• Two job story

• Ask your client
• Which job would you take ???

Job B 99,000 60,000
Job A 100,000 - 0 -
Healthy Sick or hurt
www.DisabilityCenter.com
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DI SALES IDEAS

• Ask your client
• Do you have health insurance?

• Who gets paid?
• Doctor?
• Hospital?
• Pharmacy?
• Ambulance driver?
• You?
• Income protection plan completes the picture.

www.DisabilityCenter.com
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DI SALES IDEAS

• Ask your client
• Do you carry a spare tire in your car at all
  times?

• Why? Are you planning on getting a flat today?
• No, but if you need it, its there!
• Protect your income NOW while you can, BEFORE you
  need it!

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I can depend on Social Security to pay
disability benefits to keep me and my family out
of financial trouble, right?
www.DisabilityCenter.com
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www.DisabilityCenter.com
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Who buys DI? Where to sell it?

• Medical Market - discounted programs
• Associations
• Existing clients database
• Business owners
• Small / Large businesses employee benefits
• Main wage earner families
• Single parents

www.DisabilityCenter.com
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Leading Edge Disability Center HOW WE CAN HELP
YOU

• We specialize in . . .
•  True or Pure Own Occ to age 65-70
• All Medical Specialties
• Unisex Discounted Rates for Females
• Association Marketing Discount Program
• High Issue Participation Limits
• Professional Business
• Overhead Expense Coverage

• Guaranteed Standard Issue plans
• Executive/Business Owner
• White Collar Professionals
• Blue Gray Collar
• Simplified Underwriting
• Substandard Coverage
• Return of Premium
•  

   
We have an interactive website for DI training,
applications, marketing materials and quick quote
requests www.DisabilityCenter.com