Statistics show that a 35-year-old has a 50 percent chance of being totally disabled for at least 90 days before age 65. The average duration of a total disability at 30, 40, and 50 years of age is 2.5 years, 3.1 years, and 3.1 years, respectively. Clearly, protecting one's income in the event of disability is a major priority, particularly with today's long-range financial obligations.

In this section, we will look at the need for disability income protection, consider the basic elements of disability income insurance, take a look at the products and services Ohio National has developed to meet this growing need, and consider ways to present disability income solutions to your prospects.

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

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