Client Wanting DI Insurance

[0b1kanobee]

look into Business Overhead as well, protect the business.

Who would I look at for business overhead?

 

[BNTRS]

People will laugh but...Unum.

They have a full suite of DI products and they write blue collar to white collar.

It's going to be expensive.

 

[dgoldenz]

I changed him to a non-smoker with IM and the premium for $850 per month dropped from $123 to $99. I don't think it is the smoking necessarily. At least not with IM.

I'm just saying your client's profile for DI is very rare. There aren't many people buying DI at 56, let alone smokers or blue-collar workers. Smokers usually have other health issues at 56 that will cause them to be declined/rated/etc.

 

[bluemarlin08]

I wrote a younger guy, 35, who owns a glass company, he does all the labor and wrote with Principal. Benefit was limited to 5 years.

 

[Cornelius]

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