Why We Sell Disability Insurance – Real Life Story

Disability insurance is far undervalued in today’s market. Ample amounts of disability income coverage should be the keystone of any well-planned corporate insurance strategy or personal financial portfolio. Those of us who work every day recognize the absolute necessity of a regular paycheck, but many fail to see the potential for economic disaster if even a short term disability were to arise. Most Americans, across all income levels, tend to lack any substantial form of savings, and therefore a steady and proportionately significant income stream is the only logical saving grace from financial collapse or bankruptcy. Any astute analyst will agree that modest group policies are not sufficient in terms of benefit levels for most American employees. Additional layers of personal and excess disability income insurance should be recommended to all of your clients who are not insured to at least 65% of their income.