Getting back to a ‘Good’, ‘Better’, ‘Best’ PhilosophyJulie Brooks
Option 1 (Best) 90-day elimination period, age 67 benefit period, with all the ‘bells and whistles’
Option 2 (Better) 90-day elimination period, 5-yr benefit period, honing-in on the riders that a client needs the most
Option 3 (Good) 30 or 60-day elimination period, 2-yr benefit period, Residual, Future Purchase, and ADL Rider … and changing the ‘What If’ to a ‘When’ by adding a Return of Premium Rider … a benefit when you need it, premium returned to you should you not need it
Make sure your client’s most important asset is covered, as any of the 3 options help to keep the client afloat during a drastic time of need.
Disability Insurance is the only ‘true’ life-preserver that guarantees that they won’t drown due to a loss of income from a Disabling Event!
Contact Your Insurance Advisors DI Rep for case assistance.