Policy Review & Risk Reassessment
Many disability policies remain unchanged for years despite shifts in income, occupation, and career trajectory.
AdvisorServe reviews in-force disability coverage to assess benefit adequacy, definitions, riders, and alignment with current financial planning assumptions.
When New Coverage or Adjustments Are Needed
When planning analysis indicates gaps or misalignment, we help advisors determine whether additional coverage, policy redesign, or carrier changes are appropriate—always within the context of the broader plan.
Occupation, Income, and Structural Considerations
Disability insurance outcomes are highly sensitive to occupation class, income structure, and contract language.
Contract Language & Coverage Defensibility
AdvisorServe assists advisors in navigating these complexities to avoid unintended coverage gaps or future disputes.
How Advisors Use AdvisorServe
Advisors rely on AdvisorServe for ongoing disability insurance counsel—reviewing policies, answering questions, and supporting decisions over time, not just at point of sale.
Benefit Adequacy & Definitions
We assess benefit adequacy, definitions, and riders to confirm coverage still matches the plan as assumptions and circumstances change.
Income Structure & Career Risk
We help advisors evaluate how income type and career trajectory affect eligibility, coverage design, and long-term sustainability.
