Too many sales persons engage in "verbal combat" with their prospects trying to "educate" them instead of "selling" them a plan that will provide what they need.

For example:

• If a prospect/client wants short term major medical that pays "reasonable and customary" fees instead of scheduled benefits...  Sell them HPA's Secure Short Term Medical plans!
• If a client wants comprehensive maternity coverage, not a watered down maternity plan... Sell them an Avalon Healthcare plan with the optional maternity rider.
• If a client/prospect wants the cheapest thing available...  Sell them HPA's new Secure Lite program!

There was a time not so very long ago when companies selling D.I coverage would not even consider offering this protection to anyone other than a professional white collar worker, and some self employed persons like attorneys and doctors! Anyone not falling within those parameters was not eligible!

Well things have changed rather dramatically and insurance companies have come to realize that there is a lot of good business in the "blue collar" market among, carpenters, plumbers, electricians, air conditioning technicians, building contractors, and truck drivers. Not every company has "seen the light," but a number of quality D.I. underwriters are now very receptive to these trades and other similar groups for D.I. coverage.

Disability coverage is just one of many new and exciting markets that you can explore, successfully enabling you to protect your client while earning a good commission doing so.

PMMI even has a D.I. policy for insurance agents that offers a Class 4A, Own Occupation rider.

Buy a policy for yourself!