The importance of working with a disability specialist

As times change, so do the complexities of disability insurance underwriting. Entering the big picture are how political correctness and state laws are factoring in to application decisions.  The standard guidelines are becoming rigid or in some cases are blurred, depending on how we view them.  How do we guide our clients to the correct products with the best outcomes?

A super important story to read is posted below.  It shows the complexities of disability insurance underwriting in this new day.

“Disability insurance specialists contend that informing clients about options for insuring their ability to earn a paycheck is more critical than ever, and that non-specialists need to know when to reach out to colleagues to help the clients get the best possible results.

“Individual disability insurance is tougher, underwriting-wise, even that life insurance,”  Larry Schneider, owner of the Disability Insurance Resource Center, said Thursday in an interview.

http://www.thinkadvisor.com/2018/02/16/how-a-top-disability-specialist-reads-that-big-app?eNL=5a87516b160ba024558b4602&utm_source=TA_LifeHealthNewsFlash&utm_medium=EMC-Email_editorial&utm_campaign=02162018

The bottom line is to make sure you deal with a specialist.  Someone who is an expert in navigating the old avenues in addition to the new roads to application approvals.  Through your strategic partnership, you have access to a specialist team.

Regards,

Steve


This week’s seminar will take place on Thursday, February 22nd, 4:00 p.m. to 4:30 p.m. EST.

A sales seminar with Steve Kobrin, LUTCF, principal and founder of The Kobrin Agency.

Steve has been specializing in tough life insurance cases for over 26 years.
He now helps brokers, advisers, and financial firms across the country utilize his organization and become a primary resource for the insurance needs of their own clients for all life insurance products, disability insurance, long-term care insurance, and fixed annuities. This week’s focus will be on the importance of working with a disability insurance specialist in today’s rapidly changing underwriting environment.



Come join our LinkedIn group!

“How to make your strategic insurance partnership hum with activity!”

This group is for brokers and advisers who have formed a strategic partnership with the Office of Steven H Kobrin, LUTCF/The Hardersen Group/Crump. It is also for financial professionals who want to learn more and potentially join us.

Strategic partnerships among sales people, general agents, and wholesalers are the wave of the future in our industry. Together we can bring the best products and services to more insurance consumers than ever before. This group will provide you with ideas and insights on how to do that. 

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