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Show Clients 5 Ways Protector PlatinumSM Outdoes The Competition An industry joke goes, "Tell me how you're going to get disabled someday – and I'll tell you which disability insurance policy to buy today." The joke highlights the real challenge: your clients need to prepare for an event they can't predict. In contrast, life insurance benefits are simple – there are no degrees of dead. But there are many forms and degrees of disability. Ask your clients, "Do you want to limit the ways you can collect benefits?" Follow up by showing five ways Protector Platinum delivers the most comprehensive coverage available.1 Five Key Protector Platinum Advantages
1. You can qualify for partial disability without showing income loss. Business owners and professionals with trailing receivables – for example, doctors and accountants – may not see an income loss for months if they become partially disabled. This can be a problem with other policies, which typically require as much as a 20 percent loss of income before benefits are paid for partial disability. Protector Platinum, on the other hand, pays benefits based on loss of income or time or duties. Qualifying for partial disability benefits under Protector Platinum may be the easiest in the industry1 and can make a big difference in the amount of benefits received. 2. Receive full benefits for the first 6 months of partial disability. Many people want to work as much as they're able, even while receiving cancer treatment or recovering from a back injury. During partial disability, Protector Platinum pays 100 percent of the basic monthly disability benefit for the first six months (after the standard waiting period) – whether or not your client is earning an income. In comparison to other policies, Protector Platinum pays clients more benefits, faster.1 3. Receive income after recovery, while you rebuild your client base. In general, individual disability claims last from about four to seven years,2 which means it can take years to rebuild a client base and pre-disability earnings. Through the entire Maximum Benefit Period, Protector Platinum pays a Recovery Benefit each month proportionate to the loss of income resulting from the disability. In contrast, some competitors limit the time paid for recovery benefits or require the purchase of a rider. 4. Coverage for mental disorders and substance abuse is unlimited – versus typical two- or five-year limits. Mental disorders were one of the five leading causes of new industry claims in 2013, along with musculoskeletal/connective tissue conditions, cancer, injuries and cardiovascular conditions.3 The comprehensive protection Protector Platinum offers can be a major advantage, especially for customers in high-stress professions. 5. Receive a Compassionate Care Benefit ® while caring for a family member. This exclusive benefit protects your client's income even if they lose time from work while caring for a loved one with a serious illness. They can receive up to six times the base disability benefit, either as a partial or total amount depending on the actual loss of income incurred. No other policy in the industry offers that! Please join Jill Frohardt of The Standard Thursday, July 16, at 11 a.m. Central Time for a short webinar to learn more about Protector Platinum and tips to position individual disability income insurance with your clients. Register Here... 1 Based on research conducted by Standard Insurance Company comparing individual disability insurance policies offered by six leading carriers PAST TIPS May is Disability Insurance Month Pivot Your Sales Conversations to Income Protection How To Increase Your Sales in the Lucrative Business Owner Market
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| Please visit www.standard.com/di for the DI NEWS Archives, Application Forms, Marketing Materials and product information. Standard Insurance Company | The Standard Life Insurance Company of New York Policy Form Numbers B170, B170AMR (New York only), B170GI, B152, B152AMR (New York Only), B128, B123 | ||||||
