Clients with pre-existing conditions CAN qualify for disability insurance coverage. Don’t make the mistake of NOT offering it to them.
Heart patients, diabetics, alcoholics, drug addicts and antidepressant users now receive disability coverage every day. And, they’re doing it honestly — with no physical examinations and no blood work. Moreover, they’re getting quality coverage with short elimination periods; Own Occupation definitions; survivor benefits; hospital indemnity benefits; home health care benefits and all the other bells and whistles they might like. In fact, DIS places in force 98 percent of medically impaired cases submitted.
The medically impaired market is MASSIVE.
Brokers who don’t offer their clients the coverage they need can be sued if a client suffers disability and is not adequately protected. This is a bit like a doctor’s requirement to keep her license current — insurance brokers are obligated to be informed of available coverage and to protect their clients with the best options available.
Review your current client list. Anyone without a disability policy is a good candidate for coverage. The only requirement is that he or she has been working a minimum of 30 hours per week for the past year. This includes the self-employed; blue and white collar workers; those with high-risk occupations or hobbies; the highly skilled, big dollar wage earners; and especially those with medical impairments.
Acceptable risks include:
Alcoholism, Angioplasty, Antidepressant users, Anxiety, Arthritis, Bipolar disorders, Cancer, Cerebral palsy, Chronic fatigue syndrome, Heart bypass, Diabetes, Drug abuse, Epilepsy, Fibromyalgia, Hepatitis, Lupus, Kidney transplant, Obesity, Rheumatoid arthritis, Sleep apnea and Ulcerative colitis.
Simplified Issue Available!
Tell previously declined clients “YES” with our simplified issue DI. Ninety-eight percent of applications are issued within 30 days. We offer:
- No exam, blood work, HOS or inspection report
- Own-occupation definition is available
- Thirty, 60, 90 and 180 day waiting periods
- Two-, five- and 10-year benefit periods