Your clients’ ability to earn income may be their most valuable asset. When that income is threatened by sickness or accident, our disability solutions will be there to help get through the toughest times without missing a beat.
WHAT DISABILITY INSURANCE CAN DO FOR YOU
Our ability to pay the bills is entirely reliant on being able to work and earn a paycheck. We insure our homes, automobiles, and other personal property, but most of us do not protect our income. As a result, we end up insuring our “stuff,” but not the income that pays for all our stuff. So what happens if you suddenly become disabled?
Unfortunately, most Americans simply don’t have sufficient savings to sustain themselves financially, but there is a better way to plan for this very real financial risk – by purchasing a Disability Income (DI) policy
DISABILITY INCOME FOR INDIVIDUALS
Employer-provided coverage is a great start, but insureds may find there are gaps in coverage for long-term disability – particularly for higher income-earners.
GBS can provide access to carriers that offer Individual Disability Insurance (IDI) policies. IDI is an excellent solution for those who either don’t have Group Long Term Disability (LTD), or for those who need to supplement it to ensure they have adequate income protection.
Several of our IDI carriers offer the following:
- Multi-Life or Association Discount
- Streamlined/Simplified Underwriting
- Guaranteed Standard Issue
RELATED RESOURCES
- GBS Disability Income Fact-Finder
- Introduction to Disability Income - Principal
- Advisor's Guide to DI - The Standard
- Disability Insurance Calculator - Principal