Accidental Only Disability Ins

[Norwayguy]

I know it's like pulling teeth to talk him in to something else, but does he realize that only 10% of disabilities are due to accidents and the other 90% is due to illness?
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What I meant to say is that I'd probably make sure it was in writing that he knew what he was getting and what he wasn't. I can just see a client like that getting a disease later on and sueing that you didn't tell him all the facts.

I know....I have told him and made my recommendations but I no longer hold my breath till I turn blue hoping for the client to change there mind...These days I'll take the order and when I do the review next year I will once again mention the holes his coverage has and what would be a better plan.

 

[SportsNut]

That accident only DI reminds of that cheap auto ins policy that I found... great if you get hit on the passenger side of the car, but if you are so unfortunately to collide on any of the other 3 sides, you are out of luck... BUT it COSTS LESS so I'm just driving more cautiously lately in hopes that my policy pays if I need it.

Investing the savings/difference in DI leads too. NOT

 

[TPetersen]

Accident only Disability plans have been around for many years. There are several carriers who offer such coverage. My suggestion is to contact your local disability brokerage outlet as a starting point.

Good luck!