Adequate Disability Benefits

Advisors and planners must know that adequate disability insurance benefits can seldom be handled by one policy or one carrier. Adequate disability…

Advisors and planners must know that adequate disability insurance benefits can seldom be handled by one policy or one carrier. Adequate disability coverage requires planning. Planning can be done once a person knows what sources are available. Whether the need be for $1,000 or $100,000 of supplemented Personal DI, or $100,000 or $100,000,000 to fund a disability Buy Sell agreement, such plans can be assembled quickly and easily.

Most producers combine DI and Life in their business operation. Solomon S. Huebner wrote in his book, “Life Insurance,” that there are two kinds of death, “Dead Death” and “Living Death,” which were his selected words to describe disability.

Dr. Huebner went on to opine that of the two deaths, the “Living Death” is the worst, economically, because the victim is still here, a heavy consumer without being a producer.

There is no better measurement of a producer meeting the admonitions of the first saint of the Life Insurance Business than to judge by the practice of the producer to provide ADEQUATE DISABILITY INSURANCE to his/her clients, to all clients.

At PIU, we assist in prescribing adequate disability benefits with our unique High-Limit Disability plan, which has many uses for individuals, groups and businesses. Discover more today by visiting www.piu.org or calling our office.