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    Click here to learn more about Concierge services for fee only advisors looking for a thorough coverage review and guided client consultation

  • Advisor Information

  • Include if you would like us to CC an additional contact on all case correspondence

    We reach out to all new advisors to learn more about their practice and discuss how we can best align our services

  • Knowing your meeting date allows us to prioritize requests and make sure you have what you need in a timely manner

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  • Coverage Type

    Individual Disability: replaces a portion of lost income in the event the insured is sick or hurt and cannot work, or cannot work as effectively as before

    Business Overhead Expense: reimburses the insured business owner during a disability for covered business expenses that are incurred in the day to day operation of the business

    Key Person: pays the business for financial loss during a key person's disability until recovery or a suitable replacement can be found

    Disability Buyout/Buy-Sell: pays to a corporation or co-owner either a lump-sum or installment payments upon disability of an insured owner to provide the necessary funds to buy-out the business interest of the disabled owner

    Group: allows employers to offer long term disability, short term disability, life insurance, dental, and vision insurance to their employees while keeping premiums affordable

    Long Term Care: covers a portion of long term care expenses when the insured is unable to perform two of the six activities of daily living, such as dressing, bathing, eating, toileting, continence, and transferring

    Term Life: pays a benefit to a designated beneficiary upon the death of the insured

    Knowing this allows us to add on shared care benefits as well as additional discounts

    If yes, we will look for any possible guaranteed issue solutions and/or discounts.

    Multi-life cases require a completed census along with additional company information.  This information allows us to find the best solutions for your client.

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  • Client Information

  • This allows us to better track your client opportunities in our system

  • MM slash DD slash YYYY

    Insurance rates are formulated using age

    Insurance rates are formulated by gender

  • Insurance rates are state specific

    If so, we may be able to coordinate some aspects of underwriting to make for a more streamlined process

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  • Employment Information

  • Rates vary depending on specific medical specialty

    Discounts are available to physicians completing their residency and/or fellowship.  This also determines the amount of benefit for which they qualify.

  • We will use this to research potential discounts.

    This allows us to research potential discounts

  • Rates vary depending on specific dental specialty

  • Please be as specific as possible when listing the job title (ex. Instead of Executive, list Senior Vice President of Sales).

    This helps determine your client's occupation class.

  • Occupation classes are determined by an applicant’s job duties.  Providing a clear picture of what your client actually does on a daily basis helps us determine the correct occupation class, and therefore correct premium rates.  Education and number of years in business can also affect rates.

  • We will use this to research potential discounts

    This helps us research potential discounts

    Business owners can receive additional rewards and discounts

  • This will affect discounts and available products

  • Determining the value of a business is the starting point and an integral part of the planning process.  At the end of the day, the “fair market value” of a business is the amount agreed upon by a willing buyer and a willing seller. Neither party is under any compulsion to buy or sell, and both must have reasonable knowledge of all the relevant facts. The carriers use various methods to determine the insurable value.

  • The benefit will be based upon the client's share of the monthly expenses of the business

    This will affect discounts and available products

    This will affect discounts and available products

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  • Client Compensation

  • Insurance amounts are based on annual income.  For business owners carriers will look at net income (revenue minus expenses), and for W-2 employees they will look at total gross income).  The best way to determine what your client will actually qualify is to submit personal and business tax returns for review.

    Insurance amounts are based on annual income.  For business owners carriers will look at net income (revenue minus expenses), and for W-2 employees they will look at total gross income).  The best way to determine what your client will actually qualify is to submit personal and business tax returns for review.

  • Insurance amounts are based on annual income.  For business owners carriers will look at net income (revenue minus expenses), and for W-2 employees they will look at total gross income).  The best way to determine what your client will actually qualify is to submit personal and business tax returns for review.

  • Insurance amounts are based on annual income.  For business owners carriers will look at net income (revenue minus expenses), and for W-2 employees they will look at total gross income).  The best way to determine what your client will actually qualify is to submit personal and business tax returns for review.

  • Insurance amounts are based on annual income.  For business owners carriers will look at net income (revenue minus expenses), and for W-2 employees they will look at total gross income).  The best way to determine what your client will actually qualify is to submit personal and business tax returns for review.

  • This helps us determine baseline benefit need


  • Client Inforce Coverage

    This policy will coordinate with any inforce disability insurance the client already has in place

  • Please include as much information as possible, including: elimination period, Percentage of covered income, maximum monthly benefit, taxability, covered income, etc.

    Example:  60% to $5,000, Taxable Benefits, Base Salary Covered Earnings

    Best Practice:  Submit complete certificate for full policy analysis

  • Max. file size: 128 MB.

    This policy will coordinate with any inforce disability insurance the client already has in place

  • Please include as much information as possible, including: elimination period, benefit period, monthly benefit amount, additional riders, premium amount, etc.

    Example:  90 Day Elimination Period, To Age 65 Benefit Period, $5,000 of Monthly Benefit, Residual, 3% COLA, $195 Monthly Premium

    Best Practice:  Submit complete certificate for full policy analysis

  • Max. file size: 128 MB.

    This policy will coordinate with any inforce business overhead expense coverage the client already has in place

  • Please include as much information as possible, including: elimination period, benefit period, monthly benefit amount, additional riders, etc.

    Best Practice:  Submit complete certificate for full policy analysis

  • Max. file size: 128 MB.

    This policy will coordinate with any inforce key person disability coverage the client already has in place

  • Please include as much information as possible, including: elimination period, benefit period, payment type (monthly vs. lumps sum), benefit amount, etc.

    Best Practice:  Submit complete certificate for full policy analysis

  • Max. file size: 128 MB.

    This policy will coordinate with any inforce disability buyout coverage the client already has in place

  • Please include as much information as possible, including: elimination period, benefit period, payment type (monthly vs. lumps sum), benefit amount, etc.

    Best Practice:  Submit complete certificate for full policy analysis

  • Max. file size: 128 MB.
  • Please include as much information as possible, including: death benefits, term life period, etc.

    Best Practice:  Submit complete certificate for full policy analysis

  • Max. file size: 128 MB.
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  • CLICK HERE to download our health questionnaire.

    Health Information

    Insurance rates are formulated by tobacco usage.  This includes chewing tobacco, snuff, cigars, etc. 

  • MM/DD/YYYY

    Knowing this information before a quote is delivered allows us to discuss options with our underwriters and present a plan that is both realistic and still attractive for your client. Presenting a realistic plan from the initial stages of case development lessens the risk of the client opting out of the disability insurance plan.

  • List any diagnoses, medications, or treatments you are aware of. Also note any drug usage, criminal activity, or other avocations that may impact underwriting. We will follow up with a health questionnaire for additional details.

    Knowing this information before a quote is delivered allows us to discuss options with our underwriters and present a plan that is both realistic and still attractive for your client. Presenting a realistic plan from the initial stages of case development lessens the risk of the client opting out of the disability insurance plan.

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  • Discussion Questions

  • Some carriers allow us to situs to the headquarter state, simplifying the implementation process

  • This helps us to determine the targeted coverage effective date.  We recommend that this is off-cycle from their other benefit enrollments.

  • This coverage will coordinate with any inforce disability insurance coverage

    Knowing a reasonable premium target allows us to create a policy that fits the client's needs and budget

  • Knowing a reasonable premium target allows us to create a policy that fits the client's needs and budget

  • Knowing your meeting date allows us to prioritize requests and make sure you have what you need in a timely manner
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  • Client Information

  • This allows us to better track your client opportunities in our system

    Insurance rates are formulated by gender

  • MM slash DD slash YYYY

    Insurance rates are formulated using age

    Insurance rates are formulated by tobacco usage.  This includes chewing tobacco, snuff, cigars, etc. 

  • MM/DD/YYYY

    Discounts are available to clients who are married

  • This allows us to better track your client opportunities in our system

    Insurance rates are formulated by gender

  • MM slash DD slash YYYY

    Insurance rates are formulated using age

    Insurance rates are formulated by tobacco usage.  This includes chewing tobacco, snuff, cigars, etc. 

  • MM/DD/YYYY

  • Insurance rates are state-priced and regionally priced

    The most important piece of information needed during the underwriting process is the client’s medical history. An underwriter’s biggest risk is an undisclosed medical condition. Therefore, they do their best to uncover any possible risk factors. This is where the majority of cases fall apart. Knowing this information before a quote is delivered allows us to discuss options with our underwriters and present a plan that is both realistic and still attractive for your client. Your client accepting a modified offer after believing they would be purchasing a plan with no limitations is challenging at best. Presenting a realistic plan from the initial stages of case development lessens the risk of the client opting out of the insurance plan.

  • List any diagnoses, medications or treatments you are aware of. We will follow up with a health questionnaire for additional details.

    The most important piece of information needed during the underwriting process is the client’s medical history. An underwriter’s biggest risk is an undisclosed medical condition. Therefore, they do their best to uncover any possible risk factors. This is where the majority of cases fall apart. Knowing this information before a quote is delivered allows us to discuss options with our underwriters and present a plan that is both realistic and still attractive for your client. Your client accepting a modified offer after believing they would be purchasing a plan with no limitations is challenging at best. Presenting a realistic plan from the initial stages of case development lessens the risk of the client opting out of the disability insurance plan.

  • LTC underwriters require that the insured has been to the doctor or received a physical exam in the last 2 years.
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  • Lines of Coverage


  • Additional Information

  • Elimination Period, Benefit Period, Replacement %, Full Mental Nervous Protection, COLA, Catastrophic
  • Elimination Period, Benefit Period, Future Increase Options, Residual, Loan Protection
  • Elimination Period, Benefit Period, Lump Sum vs. Monthly Benefit Payments, Benefit Amount (1x Income)
  • Elimination Period, Benefit Period, Lump Sum vs. Monthly Benefit Payments

    The insurance payment will match the buy sell agreement at claim time. It is important to finalize the agreement prior to purchasing the insurance coverage. A buy-sell agreement is not required in most states in order to purchase disability buyout insurance, but one must be in place at the time of a disability claim.

  • Upload Documents

    Please attach a company census, current group coverage certificate, and any other relevant documentation.
  • Max. file size: 128 MB.
    CLICK HERE to download our census template.
    Utilize our census template with helpful comments explaining why each field is important.
  • Max. file size: 128 MB.

    It is necessary for us to know the details of the group’s current disability program in order to provide a complementary individual program

  • Drop files here or
    Max. file size: 128 MB.
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    • Additional Information

    • Elimination Period, Benefit Period, Benefit Amount, Definition of Disability, Additional Riders (COLA, Catastrophic, Future Increase Options)
    • Elimination Period, Benefit Period, Benefit Amount, Future Increase Options, Residual, Loan Protection
    • Elimination Period, Benefit Period, Lump Sum vs. Monthly Benefit Payments, Benefit Amount (1x Income)
    • Elimination Period, Benefit Period, Lump Sum vs. Monthly Benefit Payments

      The insurance payment will match the buy sell agreement at claim time. It is important to finalize the agreement prior to purchasing the insurance coverage. A buy-sell agreement is not required in most states in order to purchase disability buyout insurance, but one must be in place at the time of a disability claim.

    • Facility/Home Health Care Elimination Period, Monthly Benefit, Benefit Period, Additional Riders (Inflation Protection, Shared Care, Joint Waver of Premium, etc.)
    • MM slash DD slash YYYY

    • Upload Documents

      Please attach financial statements, existing policies, medical records, or any other relevant documentation.
    • Drop files here or
      Max. file size: 128 MB.
      Save and Continue Later