Overcoming Hesitation: How Streamlined Disability Insurance Can Work for You and Your Clients
- Brent Lamon, RHU, CLTC
- Oct 1
- 2 min read
As a financial professional, you know the value of protecting income. You’ve likely had conversations with clients about what would happen if they lost their ability to earn, yet many advisors hesitate to propose disability insurance (DI). Why?
The underwriting process can feel intrusive.
Medical exams and detailed financial documentation can delay or derail the case.
Advisors fear straining the client relationship with a “complicated” product.
The hesitation is understandable—but it doesn’t need to be the barrier it once was.
Streamlined Underwriting: A Game Changer
Over the past few years, disability insurance carriers have invested heavily in streamlined underwriting programs. These programs are designed to remove friction and make it easier for both you and your clients.
Here’s what that looks like in practice:
No paramedical exams for many clients within certain age and benefit ranges.
No tax returns required for many monthly benefit amounts.
Digital applications and e-signatures that reduce paperwork and speed up approval.
This means you can offer meaningful income protection without asking your client to jump through the traditional hoops.
Why This Matters for You
Protect Your Clients More Efficiently – You can start the DI conversation without worrying that underwriting complexity will become a roadblock.
Expand Your Reach – Streamlined programs are particularly attractive to busy professionals like attorneys, consultants, or young business owners who don’t have time for exams.
Differentiate Your Practice – By offering income protection with minimal hassle, you stand out as an advisor who not only sees the risks but also delivers solutions that fit your clients’ lifestyles.
The Bottom Line
Your clients are already relying on you to protect their wealth and future. Ignoring disability insurance because of old assumptions about underwriting does them a disservice.
Take advantage of streamlined programs—they allow you to deliver the coverage your clients need without the traditional barriers.
Now is the perfect time to revisit DI with your client base. The tools are in place. The process is smoother than ever. And your clients will thank you for helping them secure the one asset they can’t afford to lose: their income.
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