Having disability insurance during your working years is extremely important, arguably more important than term insurance as you’re more likely to become disabled than die during your working years. Not enough people have disability insurance. Most of those that do have disability insurance do not have enough.
AdvisorServe works with a number of disability companies and can help you as the advisor make sure that your client is adequately covered in case of a disability. It is important to represent more than one disability company because different disability companies treat different vocations differently. Having multiple insurers to choose from helps make sure that your clients are receiving the most competitive rates and the maximum monthly coverage.
AdvisorServe is in a unique position to help with all levels of income earners and vocations. It does not matter if your client earns 5, 6, or 7 figures – we partner with insurers that can help fill in the gap. It doesn’t matter if your client is a Dentist, Attorney, IT Professional, Car Salesman, Business Owner – different insurers have different “sweet spots” depending on the vocation, and we know where they are.
We can help provide the entire amount of disability coverage, or we can help supplement a group policy through work that is providing inadequate benefits.
Please contact us if you have any questions regarding disability coverage for your clients.