Enhance Client Financial Protection With BIR

In 2022, U.S. workers experienced substantial wage growth — either by changing jobs or receiving large increases in pay and incentives from their employers.* Recent financial gains came with once-in-a-generation levels of inflation. This means your clients are paying more to buy the same or fewer goods and services.

Now, every dollar counts. So, if your client experiences a disabling event, will their benefit reflect their recent salary gains?

Your clients may also qualify for accelerated benefit increases if they are 50 years old or younger and have increased their income by at least 30% since their last option date. Check out the Benefit Increase Rider flyer for more information.

As clients tighten their belts amid rising consumer costs, remind them that IDI is the safety net they’ll need if the unthinkable happens. With BIR, your clients can reduce their income exposure and ensure their coverage keeps up with their current income. This will help them protect their financial futures if they experience a serious illness or injury that keeps them from work.

For any questions about BIR or Automatic Increase Benefit, contact your regional director or regional manager.

For Producers Only