by Leslie Schultz | Feb 17, 2016
You might be tempted to think there is not a lot to know regarding pregnancy coverage for long term disability policies. The waiting periods are typically 90 days (longer than most clients are off work) and many long term DI policies have exclusions that specify they...
by Leslie Schultz | Aug 31, 2015
Pricing can be one of the biggest obstacles to overcome when selling disability insurance, especially if you are talking to your client about purchasing multiple types of insurance. The good news is that there are a whole lot of discounts out there and ways to make...
by Leslie Schultz | Jul 8, 2015
The presumptive disability is a feature that most carriers offer and all call it by the same name but as you have probably figured out by now, there are significant differences by carrier! In general, the presumptive benefit pays a total disability benefit in...
by Leslie Schultz | Jun 4, 2015
Chiropractors are typically good buyers in disability insurance but it can be difficult to find a carrier who will offer them quality coverage due to a high claims history for the profession. Many carriers have stopped writing coverage on chiropractors...
by Leslie Schultz | May 8, 2015
It’s a question that many clients ask or more specifically, “Can I deduct the premiums for this disability insurance from my taxable income?” It’s also a question most agents hate to get! Taxation can get a bit complicated, especially because the way it is...
