Disability For Individuals Or Small Business
- Thread starter aacards8
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Re: Disability
guardian has a good di. What type of small business and what type of individual?
guardian has a good di. What type of small business and what type of individual?
Re: Disability
Guardian has the best disability product on the individual market. Principal and Standard have some good products too, but a lot of it comes down to underwriting, the person's occupation, where they work, etc. The Protector Platinum from Standard is about as close to Guardian's policy as it gets, but it's not available in all states. Their older product (Protector Plus) is not as good. Assurity is good for blue-collar types that the "top tier" companies won't take.
Guardian has the best disability product on the individual market. Principal and Standard have some good products too, but a lot of it comes down to underwriting, the person's occupation, where they work, etc. The Protector Platinum from Standard is about as close to Guardian's policy as it gets, but it's not available in all states. Their older product (Protector Plus) is not as good. Assurity is good for blue-collar types that the "top tier" companies won't take.
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Re: Disability
You might not find a market for those types of occupations that an underwriter deems to review in a positive light.
DI is a great product, but good DI is a hard to place product. You might find yourself all sorts of prospects, but no place to put them.
You might not find a market for those types of occupations that an underwriter deems to review in a positive light.
DI is a great product, but good DI is a hard to place product. You might find yourself all sorts of prospects, but no place to put them.
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Re: Disability
I used to -twenty years ago with Mutual of Omaha.
I used to -twenty years ago with Mutual of Omaha.
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You really need to work with a DI brokerage if you're new at it. Very different from life insurance.
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