How can your organization efficiently offer disability insurance? With DIS powering your back office! We provide disability insurance support and manage quoting processes so you don’t have to. If your organization wants to offer income protection, but you lack internal resources or DI expertise, this is the solution you’ve been looking for.

When you secure a home loan, you expect to be able to keep up with the payments. However, these expectations are probably based on the assumption that you’ll keeping earning a paycheck – what happens if a disability prevents you from working?

According to Debt.org, medical emergencies and illness resulting in medical debt are a key reason for foreclosure. Job loss or a reduction in income are other major reasons. When an unexpected disability occurs, many people experience both medical debt and job loss. This can be an untenable situation – if you don’t have the right insurance, you may lose your home.

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Expertise You Can Trust

When you sell disability insurance, expertise matters. Disability Insurance Services (DIS) is 100% dedicated to paycheck protection, and our team has the insight and experience needed to support your advisors. We also have access to multiple top-tier carriers for individuals and groups, as well as specialized solutions for key market niches. When you partner with DIS, you can expand into the DI market confidently, knowing that we’ll protect your clients’ income and your organization’s reputation.

Securing Long-term Disability Insurance

Workers who want to purchase LTDI coverage may have options.

1

Employers

often provide access to coverage. The premiums may be paid by the employer, or they may be paid by the employee on a voluntary basis. Employees can benefit from group rates and streamlined underwriting. For groups of three or more, a multi-life disability insurance discount may be available, and for groups of five or more, guaranteed standard issue disability insurance plans are available.

2

Individuals

can also buy disability insurance on their own. Often called individual disability insurance, or IDI, these plans are fully portable. This means that workers don’t have to worry about losing coverage when they switch jobs or go into business for themselves. There are also more coverage options, allowing policyholders to customize their benefit periods, elimination periods, benefit limits, definitions of disability and additional coverage options.

Just like you don’t need to decide between long-term and short-term coverage, you don’t need to decide between
employer-based LTDI and IDI. You can purchase both types of coverage to make sure you’re well protected.

A Cost-Effective Solution

Why reinvent the wheel? Sure, you could hire your own team to support your brokers’ disability insurance sales, but that requires significant investment and often leads to rookie mistakes and lost sales. Partnering with DIS is the easiest and most cost-effective solution. In exchange for a slightly lower commission split, you’ll be able to write a high volume of disability insurance with confidence.

Your Brand Front and Center

When you partner with DIS, you’ll receive a complete suite go-to-market materials branded with your logo and contact information. We’ll install the DIS quote engine on your website, and your producers can use it to generate quotes quickly and easily. You’ll have access to our cutting edge Broker Portal, our exclusive Quote Analyzer Tool, and our innovative Benefit Increase and GSI Renewal automation tools, helping you win and keep more clients.

Invaluable Protection for Your Clients

There are a lot of reasons to partner with DIS, but the most important reason is that your clients need paycheck protection. A person’s income is typically their greatest asset, and without disability insurance, an illness or injury can lead to financial ruin. When you work with DIS, your giving your clients access to the solutions they need to safeguard their finances. This is important for them, and as a financial advisor trying to increase assets under management, and safeguarding against errors and omissions, it’s also important for you.

How Can DIS Double Your Success Rate?

The disability insurance industry has a quote placement rate of just 10%. This means that for every 10 quotes, only one actually becomes a policy.

DIS can help you do better.

Many objections to disability insurance boil down to a mismatch in the quote that’s provided and the client’s needs. For example, some quotes are bloated with unnecessary riders that increase the premium cost. Others don’t have the terms needed to provide solid protection. DIS can help you offer irresistible quotes that balance cost concerns with coverage needs – even for workers who have pre-existing medical conditions, own their own business, or have other circumstances that make coverage more challenging.

The DIS quote placement rate is 25%. One out of every four quotes is successfully placed –  more than double the success rate of the industry. This high success rate translates into more coverage for your clients and more commissions for your producers.

Are you ready to grow your practice, protect your clients, and boost your commissions? Learn more about becoming a DIS affiliate.