Supplementing Group DI
Don’t be surprised – or feel derailed – if clients you’re talking to about individual Disability Income (DI) insurance say, “I already have coverage through my employer.”
Keep the conversation going by saying, “I thought you might, so let’s see if it’s enough to cover expenses if you become too sick or hurt to work.”
Group long-term disability (LTD) insurance is a great start, but it may leave an income-protection gap. Individual DI is a smart way to help fill that gap – and it stays with them, even if they change employers.
Use this piece to guide your conversation with clients.
