How to End Elimination Period Infractions
When your clients purchase DI, they choose an elimination period – often 90 days. Do you tell them that 90 days is really 120 days? If not, you’re vulnerable to the most vicious reputation-killer in the industry: An E&O infraction.
Fortunately, you can end elimination periods and the associated miscommunications once and for all.
How? By pairing critical illness (CI) insurance with disability insurance (DI). CI doesn’t have a long elimination period and pays a lump sum upon diagnosis. CI is affordable and easy to sell. It helps ease the financial pain of getting through a DI elimination period.
Use this handout to explain why:
- Social security and employer-paid coverage isn’t enough.
- Income protection is needed even if you don’t partake in a high risk job or hobby.
- DI is actually more affordable than auto insurance.
- Now, is the best time to take the next step.
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