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Disability Insurance Brokerage

See What Our Disability Insurance Brokerage System Has To Offer!

Disability Insurance Brokerage from Insurance Brokerage America offers you the producer a wide variety of top disability companies for your clients varied disability needs.

Many producer shy away from offering disability insurance to their clients because they feel it is too complicated to sell.  There is no mystery about disability insurance.  A producer just needs to contract through the right insurance brokerage firm that will take the time to work through your concerns and anxieties about selling this product.

From generating quotes, to underwriting follow-up, we are ready to help you succeed selling disability insurance.
  Insurance Brokerage America takes the difficulty out of selling disability insurance.

Individual Disability Insurance Brokerage

Disability Insurance pays a monthly income when the insured becomes disabled due to an accident or illness.

Disability insurance is designed to replaces a portion of your income if you become disabled and are no longer able to work. Employer group disability insurance plan can replace up to 60% of salary. Individual disability insurance plansl often cover up to 70% or 80% of salary.  Benefits last for a given number of years 2-5-10-years or until age 65 are typical. If premiums are paid with after taxed dollars, the disability insurance pay-out of benefits are received income tax free.

Some  long term disability policies have strict definitions of disability, which makes it difficult to claim benefits over many years.

Disability insurance plans have many factors that determine the premium cost. Factors include but are not limited to age, occupation, and health. In addition, the cost is based on the plan features.

Features include several factors:

Waiting Period - How long you wait until benefits begin. Typically the choices are 30, 60, 90, or 180 days.

Benefit Period - Once benefits begin, how long you want to receive them. Most companies offer a 2 year, 5 year and Age 65 benefit period (if available).

Monthly Benefit - Companies will allow you to purchase up to about 60% of your pre-tax income. Most people choose the maximum.

Optional Benefits - Some policies offer the following coverage.
    - Residual of Partial Disability Coverage
    - Benefit Increase Options
    - COLA Increases when Disabled
    - Social Security Income Rider

The Definition of Total Disability, which varies greatly from company to company is the most important part of the policy language. This definition determines whether or not the company must pay out benefits.

The best definition of disability is an "Own Occupation" definition of disability; which means the company pays if the insured can not perform their occupation. This is the best definition.

A lesser definition is a policy that pays if the insured can not perform "Any Occupation."  This premium is less expensive.

Premiums can be guaranteed to remain fixed if the policy is "Non-Cancelable." The premium is higher for this type of plan.

Business Disability Insurance Brokerage

Key Person Disability Insurance
This type of plan helps to compensate a business for financial losses due to the death or long term disability of a key person. The insurance provides additional funds to the business until the key person can be replaced, or until he or she returns to work.

Business Overhead Expense For Disability

A Business Overhead Expense disability insurance policy provides funds to help cover ongoing business expenses. It will keep a business going during the period of disability. Business disability insurance replaces a portion of lost income due to disability of the owner.

The following are some business overhead expenses that are covered by Business Overhead Expense disability insurance:

Rent or Mortgage Payments
Employee Salaries and Benefits
Utility Bills
Property Taxes
Accounting Fees, Legal Fees, and Professional Dues
Malpractice and Other Business Insurance Premiums
Maintenance and Janitorial Services
Interest on Business Debts
Office Supplies
Other Fixed Expenses that are Ordinary, Necessary, and Tax Deductible

Business Overhead Expense disability insurance benefits are subject to income tax, but the premiums are tax deductible as a business expense.

More on disability insurance brokerage from top disability insurers:

Assurity Life
Union Central


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Insurance Brokerage provides you with the latest technology to search for the best term life insurance quote for your client-

Our brokerage spreadsheet quoting system allows you to examine "by underwriting class" all of our top companies as they apply to your specific client needs.

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Get appointed with the company that best suits your clients needs-

Download top brokerage appointment forms-

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Insurance brokerage affords the agent an easy way to access all of the forms for all of our companies.

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Mail completed forms to -

  Insurance Brokerage America

  National Marketing
  P.O. Box 30248
  Charleston, SC 29417
  800-406-6303     843-769-9804 fax

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent brokerage agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.


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