|
 |
| |
| |
Sales Strategies for Short-Term Disability
with Mutual of Omaha |
| |
| |
1. Spotlight Peoples’ Most Important Asset
| • A client’s most important asset is the one that provides for
all the others – their income. Pose questions like: |
| - Are you willing to gamble with all you’ve worked so hard
to save? |
| - How would you pay bills and put food on the table if you
lost your income? |
|
| • Most clients already own life insurance. You can show that the
risk of disability is greater than the risk of premature death. |
|
|
| |
2. Education
| • Disability insurance protects income earners from the risk
of becoming unable to work due to an injury or illness
|
| • When a person is disabled, their regular financial
obligations persist. Plus medical expenses associated
with the disability are added to the burden
|
|
|
| |
3. Start the Conversation
| • Focus on the need, not the product |
- Start the conversation. By asking questions like:
| a. What is important to you? |
| b. How do you spend your money? |
|
- Once you’ve learned what makes them tick, get clients to
think about what would happen to the things they value in
the event an illness or injury put them out of work and their
income stopped.
| a. What would happen if you could no longer work and
suddenly lost your income?
|
| b. How would you pay the bills and keep up with your
responsibilities?
|
| c. What impact would this have on your family? |
|
|
|
|
| |
4. Tailored product solutions to fit customers needs
and price point
| • You can work the individual market or the business multi-life
market using the same base disability income products.
|
• Accident Only Disability
| - Maximum monthly benefit: $5,000
|
| - Elimination periods: 0, 7, 14, 30, 60 or 90 days
|
| - Benefit period: 3, 6, 12 and 24 months
|
|
• Short-Term Disability
| - Maximum monthly benefit: $5,000
|
| - Elimination periods: 0/7 (accident/sickness),
7, 0/14, 14, 30, 60 or 90 days
|
| - Benefit period: 3, 6, 12 and 24 months
|
|
|
|
| |
Click here to view the "DI Sales Process" PDF.
Click here to view the "Short Term DI Consumer Brochure" PDF.
|
| |
| |
Ready to get started?
Contact Travis Horn today!
(800) 365-8208 ext 4078 |
| |
For Agent Use Only - Not Intended For Soliciting To The Public |