Watch Video: A Real-life Story of GSI Income Protection

Doug Waters was deeply familiar with the importance of individual disability insurance thanks to several decades working in the insurance industry. When Doug was diagnosed with cancer, he found himself turning to the same benefits he recommended throughout his professional life. Share this video with your clients to show Doug’s story and his personal experience with income protection insurance:

Group long term disability insurance provides strong income protection for many employees, covering 40 to 60% of their base salary in the event of a disability. But what about employees who may experience limitations with LTD coverage?

A typical LTD plan has a monthly benefit maximum that can leave some high earners with a sizable income protection gap if they are unable to work due to disability. And while it’s possible to increase benefit maximums, this strategy still might result in an income protection gap, while also increasing the premium rates for the entire group.

That’s why your clients may want to add Guaranteed Standard Issue individual disability insurance. IDI can help clients raise the coverage amount to protect higher incomes, bonuses, distributions and other incentives that their high earners count on.

Not only can your clients protect their highly compensated employees from financial disruption if they go out on disability, they can also stand out with a robust benefits package that provides solid coverage for all employees.

Learn how we can help cover your clients’ highly compensated employees with our individual disability insurance options.