Is the Disability Insurance Return of Premium Rider a Good Fit for Your Clients?
What happens if you buy disability insurance but never have a claim? Well, you should probably consider yourself lucky. Disability is common, and if you never have to file a claim, you’ve been lucky enough to avoid illnesses or injuries that prevent you from working. But what about all the premiums you’ve paid? That money […]
Overcome Two Common Disability Insurance Objections with a Return of Premium Rider
Anyone who sells disability insurance has encountered two common objections. One is the dangerous belief that disability is something that only happens to other people. The other is complaints about cost. A return of premium rider can help you counter both these objections at once. Understanding the Return of Premium Rider The return of premium […]
Disability Insurance Shopping Insights: Is Return of Premium a Good Deal?
The holiday season is here. It’s a time filled with fun, family and friends – and more than a little shopping. According to a survey conducted by Coinstar, 77 percent of holiday shoppers expected to go over budget last year.
Overcome a Common Disability Insurance Objection with Return of Premium Rider
Have you heard this riddle? What is invisible yet comes with a sizable price tag, may never be used but cannot be returned? Insurance! It’s not uncommon for a client, especially one who is young and healthy, to question paying premium for coverage that might never be used.