The No. 1 reason many people don't have disability insurance coverage is because they have never been asked. Simply asking the client if they have any DI coverage is the No. 1 opportunity in the market today. This product needs to be discussed with each and every client. This expansion needs to encompass all types of insurance professionals and financial advisors.
There's an opportunity owing to the fact that DI can be sold in conjunction with any other product and make complete sense. For example, consider these scenarios:
With life insurance, the producer might ask, "What if you don't die but you become disabled?"
With investments, the producer might ask, "What if you become disabled? Will you still be able to invest?"
