Easy Issue Dissability?

[Vitamin C]

What is the easiest issue disabillity policy to get? I'm newer in the business and I've seen guaranteed issue hospitalization and such. I have a prospect that wants to attain some dissabillity insurnace even if it is graded or whatnot.

Since I don't know dissabillity product at all yet, I'm imaging it's tied to your income as far as benefits are concerned. I don't think he's making a lot of income now. So, do you choose a dollar amount and pay the attached premium or are you limited to a benefit that correlates to your current income?

 

[Guest]

Check with Assurity. They have a Simplified Disability Income plan with 7 health questions. Your prospect must be between the ages of 18-59 (age last birthday). Benefit period 6 months, 1 or 2 years. You can write 60% of income up to $2500/month. Riders: Critical Illness, Retroactive Injury Benefit and Return of Premium.

 

[Mark]

Check with Assurity. They have a Simplified Disability Income plan with 7 health questions. Your prospect must be between the ages of 18-59 (age last birthday). Benefit period 6 months, 1 or 2 years. You can write 60% of income up to $2500/month. Riders: Critical Illness, Retroactive Injury Benefit and Return of Premium.

http://www.rosenthalfinancialservices.com/_downloadz/assurity_SDIprodguide.pdf <-- Here is Assurity Life Agent Guide on the Simplified Issue D.I. Product.

http://www.rosenthalfinancialservices.com/_downloadz/assurity_SDIconsumer.pdf <--- Click Here to see the client guide on the simplifed issue d.i. product.


http://www.rosenthalfinancialservices.com/_downloadz/assurity_PDIProdGuide.pdf <--- Here is the fully underwritten D.I. product.

http://www.rosenthalfinancialservices.com/_downloadz/assurity_GBDIProdGuide.pdf <-- Here is the Graded Benefit D.I. product from Assurity.

Assurity Life has a ton of D.I. Products.

 

[Vitamin C]

Thank you.