Statistically, people are more likely to suffer an illness or injury which leaves them totally or partially disabled during their working years than they are to die before age 65. A 30-year-old male has a 23 percent chance of dying before age 65, for example, but is more likely to become disabled (30.4 percent for 90 days or longer). What's more, if four 30-year-old males are in business together, there is a 76.5 percent chance that one of them will become disabled for at least 90 days before age 65, while the probability that one will die during the same period is just 66 percent.
*
Those are not comforting statistics, which is one reason why disability income protection is an important part of a balanced financial security plan for businessowners and professionals, as well as for everyone else.
Disability income insurance is a key need for businessowners, and provides you with the opportunity to work in this dynamic area.
You don't have to be an expert to enter this market, but you do have to be confident in approaching small businessowners and professional practitioners and competent when talking about their needs and concerns. What's more, your objective is the same as it is with individual prospects — solving problems.
* Based on the 1980 CSO Mortality Table, and 1985 CIDA, Male,
Classes 1 and 2with a 90-day waiting period.
Back to Top | Next
Ohio National is not affiliated with, nor does it endorse or sponsor, any particular prospecting, marketing or selling system.
