When your prospects say they already have disability insurance at work, use this chart to outline key differences. It clearly compares levels of coverage, taxation and specialty-specific differences between long-term disability (LTD) policies, association policies and individual disability insurance (IDI) policies.

This is the tool you need to make the case for buying a supplemental IDI policy even if the prospect has LTD at work.

Use this handout to explain why:

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