dibrokerWest

🤝 Why partner with a disability insurance brokerage like dibrokerWest? Advisors gain more than just quotes — they gain a complete DI team! Benefits include: ✅ Access to multiple carriers ✅ Side-by-side product comparisons ✅ Decades of product knowledge & underwriting experience ✅ Personalized case design & coverage reviews ✅ Local sales reps ready to answer questions ✅ Ongoing administrative support ✅ Faster, more responsive service than a call center Partnering with the right brokerage means you can focus on clients, while we handle the heavy lifting. #DisabilityInsurance #AdvisorSupport #IncomeProtection #FinancialPlanning

💭 Do we need life insurance? An easy way to answer: Would someone suffer financially if we died? 👉 If yes, life insurance is an important step to protect your family. But don’t stop there — ask the second question: Would someone suffer financially if we couldn’t work due to illness or injury? 👉 That’s where disability insurance comes in, protecting income during your working years. Together, life and disability insurance form the foundation of financial security. #LifeInsurance #DisabilityInsurance #IncomeProtection #FinancialPlanning #AdvisorInsights

💡 When purchasing life insurance, three things matter most: 1️⃣ Knowing your options 2️⃣ Understanding your assets 3️⃣ Identifying your true needs 👉 Advisors: the same applies to disability insurance. Both products work together — life insurance protects your client’s family if your client passes, while disability insurance protects your client's income if they can’t work. Together, they build a complete protection strategy. #LifeInsurance #DisabilityInsurance #IncomeProtection #FinancialPlanning

🩺 Many clients first obtain disability coverage through their employer or a professional association. ⚠️ But here’s the catch: those plans are often limited and may not be enough to replace lost income if disability strikes. 👉 This is where an advisor conversation is essential. Supplemental or individual disability insurance can help close the gap and ensure income protection truly aligns with a client’s lifestyle and goals. #DisabilityInsurance #IncomeProtection #FinancialPlanning #AdvisorInsights #ProtectYourPaycheck

🛡️ Life Insurance Basics Life insurance typically falls into two main categories: • Term Life Insurance — protection for a set period of time (usually 10–30 years). • Permanent Life Insurance — lifelong coverage, as long as required premiums are paid. Both play an important role in a client’s financial plan. Pairing life insurance with disability insurance ensures income and family protection today — and long into the future. #LifeInsurance #DisabilityInsurance #IncomeProtection #FinancialPlanning #AdvisorInsights

Attracting a lead is just the beginning — converting that lead into a client is where the real challenge lies. Learn how to convert leads.

🔒 Help Your Clients Protect Their Business 🔒 Business Overhead Expense (BOE) disability insurance helps businesses keep the doors open if the owner becomes disabled and unable to work. ✅ BOE covers essential business expenses like: * Rent or mortgage * Employee salaries * Utilities and more ❌ BOE does not cover your clients’ personal income or expenses—but it helps keep the business afloat while your client recovers. 💡 Did you know… some carriers offer an optional Business Loan Protection Rider that can reimburse payments for some business loan debts. 📞 Want to learn more? Reach out to your local dibrokerWest Sales Rep today. #SmallBusiness #DisabilityInsurance #IncomeProtection #BOE

🔄 Annual DI Reviews Matter Life doesn’t stand still — and neither should your clients’ disability insurance. ✨ Key times to revisit coverage: Significant income changes or a new job role Major life events like marriage or a new child Shifts in long-term financial goals An annual DI review not only ensures protection and keeps pace with life changes — it also opens the door to introduce other solutions your clients may need. ➡️ Advisors: make DI reviews a standard part of your client service model. #DisabilityInsurance #IncomeProtection #AdvisorInsights #FinancialPlanning

⚠️ Did you know? Roughly 1 in 4 working Americans will experience a disability during their career. That’s why proactive planning matters. Disability income insurance isn’t just a policy — it’s a paycheck protection strategy that helps clients stay financially secure if illness or injury prevents them from working. ✅ Advisors: Starting this conversation today ensures your clients can protect both their income and long-term financial goals. Your future clients will thank you. #DisabilityInsurance #IncomeProtection #FinancialPlanning

💡 The benefits of living a healthy lifestyle go far beyond energy and wellness. When it comes to insurance, health directly impacts premiums — and can mean more favorable options for both life and disability insurance. 👉 Advisors: reminding clients that healthy choices today can lead to long-term savings (and better protection) is a powerful way to connect well-being with financial planning. Healthy living = stronger coverage + lower costs. #DisabilityInsurance #IncomeProtection #FinancialPlanning #AdvisorInsights