Disability Insurance

What Do You Know About Disability Insurance survey???? Here is what Life Happens says about that:

Think about it. What would happen if suddenly, due to an illness or injury, you were unable to work?  Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch? If you’re like most, it wouldn’t be long at all: 7 in 10 working Americans couldn’t make it a month before financial difficulties would set in, and one in four would have problems immediately, according to a Life Happens survey.¹

That’s where disability insurance comes in

Think of it as insurance for your paycheck. It ensures that if you are unable to work because of illness or injury, you will continue to receive an income and make ends meet until you’re able to return to work.

You don’t hesitate to insure your home, car and other valuable possessions, so why wouldn’t you also protect what pays for all those things—your paycheck.

Explore this section to learn more about the different sources of disability income protection and ways to get coverage.

Disability Challenge!

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Ben Davis, of DI Broker, offered this challenge:

Disability Insurance Awareness Month begins on May 1st. Now is the perfect time of year to bolster your DI sales with the promotion of income protection to your clients. Protecting income should be the cornerstone of every sound financial plan. The economic safeguard of one’s most important asset – their ability to earn a living – is absolutely paramount.

Without a steady paycheck, your clients and their dependents face financial ruin and a future of uncertainty. In order to help with the advancement of the disability industry in general and to support the upcoming Disability Insurance Awareness Month, I’d like to issue a call to action. I decree a “90-Day DI Challenge” to any and all capable licensed life/health insurance brokers and general agents in this country. I’d prefer to challenge you to write a certain number of policies. But the truth is, most of you out there are unlikely to write one DI policy a year, let alone a dozen. So, my personal challenge to each and every one of you is to tell 15 clients about protecting their income in the next 90 days. That’s just 5 a month! All you need to do is have a client’s name, sex, age, income, occupation and state of residence to get a quote. There’s a link to request a quote in the comments below. hashtaginsurance hashtagDIAM

Ben Davis
Helping Insurance Agents increase revenue by identifying Disability Insurance opportunities in their books.

Insurance Agents:  Please take Ben’s Challenge. We really need to raise Disability awareness. Sometimes is the near future, you will be getting a calling thanking you for making then purchase disability insurance!

Luke Perry died of a stroke….


I don’t know why this is so upsetting.  Was it because he was about my age when he suffered the stroke?  Was it because he didn’t have any risk factors? Was it because he was living his life …and it just happened?

This CAN happen to any of us.  I hope you have disability insurance to protect yourself if it happens to you.  This past year, I have heard of A LOT of people going though a stroke. The reason: they know I had a stroke and thy are calling me for advice and See if I can offer any assistance of what they can do.

When they get me on the phone, I quickly get Jill on the phone.  After 11 years, I still can not get the words to come out correctly.  I suffer from that as a result because of MY stroke.

BUT, they don’t know that. Friends see me interacting with Jill and they think I am fine. I am not…I am just good at hiding it.  When they talk to me, I just smile, and laugh. Only Jill and I know that I can’t interact with people.

We are still blessed to have friends who understand my limitations.

So please get disability insurance TODAY!  I hope this is a wake up call for you.

Another reference letter…

Another standing ovation…followed up with this letter:

Certified Financial Services

One of my colleagues on the west coast suggested I listen to Gordon and Jill Viggiano’s story. He heard them speak before more than 100 insurance advisors and guests. I watched their video and at that moment knew I had to have them speak to my company as well.

Ten years ago, Gordon suffered a massive stroke and he worked tireless hours to rehabilitate himself. Jill’s story is every bit as engaging. Being there every step of the way speaks volumes of her dedication and love for her husband.

As my company’s DIS (Disability Income Specialist) it was perfect timing for a meeting in May which was Disability Insurance Awareness Month. Their story was inspirational and entertaining at the same time. When Gordon would mention something on the lighter side, Jill was always laughing as if she heard it for the first time!

It was quite moving to hear firsthand why we do what we do. Thank you, Gordon and Jill for your moving story.

Melvyn N. Feinbloom, CLTC