How to Choose the Right Disability Insurance Protection for Your Clients

This session will compare and contrast the four basic types of disability insurance - employer provided group policies, individual policies, association group policies and high limit surplus policies. As a result, you will be better able to identify the most comprehensive and cost effective way to design a disability portfolio for you and your clients. Topics such as best occupation coverage, underwriting challenges, product design, and typical exclusions and limitations will be reviewed. This session will be especially insightful for those advisors that find themselves evaluating a client's group Long-Term Disability coverage provided by their employer. Too often advisors and clients have a false sense of security regarding such coverage. This session will help advisors ask the right questions and help shed light on these potential blind spots.