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I am an insurance broker, who specializes in fixed annuities. YES: I have closed some great deals, and small ones too. However, in a professional ...


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Old 12-21-2007, 05:01 PM   #1
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I am an insurance broker, who specializes in fixed annuities.

YES: I have closed some great deals, and small ones too.

However, in a professional effort to secure more business, I have decided to cross sell some other lines of insurance.

Obviously, I sell Term Life, and have carefully selected just a few carriers to represent. This is a great way to cross sell.

RECENTLY: I just educated myself on DI.
I like Illinois Mutual.
They have been very nice to work with and I truly like their DI products.

Individual DI

ST Disability: Worksite & Workplace

Business Expense DI: This is a great product.
Offers business owners coverage towards their business operating expenses, during a partial or total disability. ( Up to 10K per month :
Watch your occupational classes for exceptions.)

Supplemental DI

Anyone looking to sell DI: Should take a look at getting appointed with
Illinois Mutual. I very rarely endorse carriers, but here is a good one !
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Old 12-21-2007, 05:33 PM   #2
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2112Greg on Disability Income Insurance - Insurance Agent Forum
 
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I'll second that. IM is a rock solid, excellent company to work with.
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Old 12-21-2007, 05:33 PM   #3
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STIBROKER@AUSTIN.RR.COM on Disability Income Insurance - Insurance Agent Forum
 
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Re: Disability Income Insurance             Go to Top

Originally Posted by insurancebroker01 View Post

RECENTLY: I just educated myself on DI.

So you are your own teacher....is that not like the blind leading the blind.....
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Old 12-21-2007, 06:21 PM   #4
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moonlightandmargaritas on Disability Income Insurance - Insurance Agent Forum
 
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Originally Posted by STIBROKER@AUSTIN.RR.COM View Post
so you are your own teacher....is that not like the blind leading the blind.....

Geez, and I'm accused of "throwing things in people's faces?"
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Old 12-21-2007, 06:30 PM   #5
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STIBROKER@AUSTIN.RR.COM on Disability Income Insurance - Insurance Agent Forum
 
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Three posts and one a spam...and one confusing NAA and NASE....whats your problem.....

Originally Posted by moonlightandmargaritas View Post
Geez, and I'm accused of "throwing things in people's faces?"

------------------------------------

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Old 12-21-2007, 06:35 PM   #6
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moonlightandmargaritas on Disability Income Insurance - Insurance Agent Forum
 
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Originally Posted by STIBROKER@AUSTIN.RR.COM View Post
Three posts and one a spam...and one confusing NAA and NASE....whats your problem.....

No problem for me...it's all good!

If it's spam, aren't "moderators" supposed to delete it?

My, awfully defensive...
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Old 12-22-2007, 04:11 AM   #7
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James on Disability Income Insurance - Insurance Agent Forum
 
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so you are your own teacher....is that not like the blind leading the blind.....
Some of the greatest geniuses of history have been self taught, such as Michelangelo di Lodovico Buonarroti Simoni or Michelangelo as in the painter, sculptor etc etc. I even think Thomas Jefferson was in a lot of ways self taught.

So what is your problem?
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Old 12-22-2007, 08:14 AM   #8
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STIBROKER@AUSTIN.RR.COM on Disability Income Insurance - Insurance Agent Forum
 
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Re: Disability Income Insurance             Go to Top

I deal with it several ways.....

Originally Posted by moonlightandmargaritas View Post
If it's spam, aren't "moderators" supposed to delete it?

Originally Posted by James View Post
Some of the greatest geniuses of history have been self taught, such as Michelangelo di Lodovico Buonarroti Simoni or Michelangelo as in the painter, sculptor etc etc. I even think Thomas Jefferson was in a lot of ways self taught.

So what is your problem?

NAA should I or shouldn't I - Insurance Agent Forum
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Old 12-28-2007, 04:35 PM   #9
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LGilmore on Disability Income Insurance - Insurance Agent Forum
 
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DI is all in the definitions. Doesn't matter what the price is if the definition gets in the way of payments. It is one of the harder sells out there as the really good stuff is the most expensive.

I'm not familiar with Ill mutual, but I might take a look.
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Old 12-28-2007, 11:46 PM   #10
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Originally Posted by LGilmore View Post
DI is all in the definitions. Doesn't matter what the price is if the definition gets in the way of payments. It is one of the harder sells out there as the really good stuff is the most expensive.

I'm not familiar with Ill mutual, but I might take a look.
DI is without a doubt a complicated product, esp. when you take into account "Disability Definition", as in "Own Occupation", but no fear, blue collar will not have "Own Occupation" either way! Even if a truck driver could afford it, he will not qualify for OC because of his occupation.

Generally speaking, DI will cost 1-3% of a wage owners paycheck for a decent policy covering Blue Collar or most of the Middle Class people.
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Old 01-03-2008, 01:08 PM   #11
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Re: Disability Income Insurance             Go to Top

If you were going in for an operation would you want a self-taught surgeon.... even if he is a real "genius"?
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Old 01-03-2008, 02:38 PM   #12
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Originally Posted by slushhhpuppie View Post
If you were going in for an operation would you want a self-taught surgeon.... even if he is a real "genius"?
Just off the cuffs here but, do you actually compare the sale of a insurance product equal to that of performing let's say, a Knee Replacement?

Ps then again I never was a strong supporter of the AMA.
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