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Disability or Med Sup?
I don't know disability as well as I do Med Supp but from what I have heard Med Supp wins.
I want to say disability is in the 12 - 18% range
Med Supp is in the 20 - 22% range
True...but first year DI is 50+%. So at 15% renewals, it can be a better total comp depending on your contract.
Med supp falls off the books and only pays 6 years unless it's rolled, plus nobody knows what the future of healthcare will look like. DI pays 10-18% renewals and the white-collar people buying it will keep it for a long time. Guardian pays renewals for the entire life of the policy, other companies cut off the renewals after 10 years. DI premiums are a lot higher than med supp too. I just quoted one that was $16k/year...
What carriers are best to contract with for DI?