DI for Realtors.

ballfan

Expert
85
Writing a policy for a realtor. Curious what riders to look at. Thinking about the OwnOccupation rider because the person makes 300k a yr but never went to college. I dont want them to tell the person to work at Mc Donalds. Also looking at the residual income rider.

Any other language I should be careful of? Looking at Mass Mutual and Assurity right now.
 
Own-occ, residual, COLA, FIO are the most important. Assurity's product is not designed for white-collar high income earners. Their best options are going to be Guardian/Mass Mutual/MetLife/Standard/Principal.
 
Own-occ, residual, COLA, FIO are the most important. Assurity's product is not designed for white-collar high income earners. Their best options are going to be Guardian/Mass Mutual/MetLife/Standard/Principal.

Thank you. I did get Standard right now. Their pricing was as good as anyones.

Payout seemed weak though. 50% w/ 5% trail.
 
50/5 is Street level compensation with The Standard. You want more compensation? Write more DI. LOL, it a production based compensation structure. The Standard is a great IDI company with a very generous compensation schedule.
 
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