Speaking to your clients about DI (Disability Income/Disability Insurance) is a conversation worth having. DI is a form of insurance that insures the beneficiary's earned income will be provided should they become disabled. Nearly 18.5% of Americans currently live with a disability. One out of every four Americans will suffer a disabling injury before retirement. Statistics like these are hard to ignore, and thus opening up the conversation about DI is one worth making.
During the DI underwriting process, good communication with your client and your underwriter is the key to success.