As we go through the planning process with clients, the focus on their investment planning tends to take center stage. Once we get their portfolios positioned properly and aligned with their goals and timeframes, we often use life insurance to protect the plan in the event of an untimely death. Too often, however, the protection of their income while they are still alive is overlooked.
Fewer employers today offer disability insurance as part of their benefit package, and often the coverage is short-term in nature and capped at levels below what our clients will need for proper income replacement should they become disabled. Clients lacking proper disability insurance generally find their savings and retirement plans completely derailed when a disability event arises and lasts longer than just a few months.
The disability insurance marketplace is alive and well with multiple carriers and products available to help fill this gap in the protection necessary to help your clients protect their income and their plans for the future. The experts at Wholehan Marketing can help provide solutions for this coverage and make it easy for you to implement. Give us a call and let us help protect your clients most valuable asset = their ability to make the money they need during their working lifetime.