by Leslie Schultz | Mar 20, 2015
The return of premium rider removes some of the decision-risk involved with buying a disability insurance policy, because the client can get part of the premiums paid back at the end of the policy. It’s a great selling tool! However, there are some key differences in...
by Leslie Schultz | Dec 11, 2014
The catastrophic rider is an option with most disability insurance carriers, but many insurance producers are unsure of how it actually works. The intention of the rider is to pay out additional benefits in the event of a catastrophic type disability with the...
by Leslie Schultz | Aug 8, 2014
Waiver of premium is a feature that is commonly offered on individual DI policies. In fact, I would bet that most of us hardly give the feature a second look on a DI illustration. It’s just assumed that if the client is disabled, the premium payments will...
