Disability income insurance generally offers the following features and corresponding client benefits:

Features

Non-cancelable; guaranteed renewable until age 65, without evidence of medical insurability. Premiums are guaranteed not to increase until age 65.

Choice of waiting and benefit periods.

Income if the insured is unable to work at his or her own occupation is usually available.

Optional features and benefits may be coordinated to fit present coverage.

Benefits received income tax free.

Protection for the loss of business income is also available. (Business Overhead Expense Insurance)

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Benefits

Your clients have peace of mind knowing that the coverage cannot be canceled, no matter what, as long as premiums are paid. It will be there as long as it is needed.

Your clients have planning flexibility, so benefits start soon enough and last long enough.

Protects professional specialties.

Protection may be tailored to fit your client's needs and wants. Can fill gaps and shortfalls in employer-provided disability benefits.

Your clients won't have to share their disability benefits with Uncle Sam.

businessowners can keep their doors open during a period of disability. And the premiums are deductible!

Ohio National is not affiliated with, nor does it endorse or sponsor, any particular prospecting, marketing or selling system.

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