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No other product is more important to a solid financial plan than disability income insurance. A serious illness or injury can be financially devastating for your clients. Consider this:
  • In the last 20 years, deaths due the “big three” (cancer, heart attack and stroke) have gone down significantly. But disability due to the same three have gone up dramatically! Things that used to kill now disable.
  • The truth is that during the course of your career, you are three and a half times more likely to be injured and need disability coverage than you’re to die and need life insurance.
  • Even consumer advocates who are often critical of the insurance industry for pushing unnecessary products (such as life insurance for someone with no dependents) say that a disability policy can be a smart buy.”Disability insurance would probably be the one insurance product that is undersold," says J. Robert Hunter, insurance director for the Consumer Federation of America.
The NW DI Center markets a full portfolio of DI products to protect your blue collar, small business owner, medical, professional and corporate clients. The following are the products we offer:
Individual Disability Income Insurance: This product is designed to replace anywhere from 45-60% of an individual’s gross income on a tax-free basis should a sickness or illness prevent him/her from earning an income in their occupation. Higher replacement ratios are possible on an employer paid (taxable) basis.
Multi-Life Disability Income Insurance: This product provides income protection at a discount for three or more individuals with a common employer. In certain cases guaranteed issue (GI) programs are available for groups as small as 5 lives.\
Business Overhead: This product provides reimbursement for the ongoing expenses of operating a business or practice if the owner is disabled and can’t work.
Retirement Protection: Retirement contributions can dwindle to nothing in the event of a disability. This insurance helps clients continue to save for retirement in the event of a qualifying disability.
Key Person: Disability insurance protects business owners from financial loss due to a key employee being unable to work due to illness or injury.