Income Protection Dashboard

Share the Message of Income Protection

Help protect your client’s finances when they can’t work. Your client never expects to be in a position where they can’t work, but something as simple as a back injury or maternity leave could mean time off of work without pay. Fortunately, your client could receive benefits up to 50-70% of their salary through Disability Insurance.

supplemental life insurance combo strategy

Complement your Supplemental Life Insurance with employer-sponsored Supplemental Disability Insurance. Group LTD is an excellent foundation for income protection, but uncovered compensation due to LTD benefit maximums and exclusion of incentive pay may leave highly compensated employees financially vulnerable in the event of an interruption to income.

long term disability (LTD) income replacement analysis

LTD Plan Design – 60% to $10,000, Employer Paid (taxable)

challenge

42 employees are currently above the LTD plan maximum and are underinsured. In addition, the LTD benefit is taxable leaving many others in need of more coverage.

advantages of supplemental disabillity insurance

Up to 100% income replacement available

Individually owned and 100% portable policies

Guarantee Issue coverage available

Substantial discounts compared to street pricing

High maximum benefit options available

Guaranteed level premiums

Guaranteed benefits

No experience charges to underlying Group LTD

why idi appeals to employers and employees

Appeals to employees

SHORTFALLS & GAPS

Exposing the employee need

Benefit maximums

Taxability of benefits

Uninsured earnings

Appeals to employers

risk management

Employer Risk Diversification

Reduced exposure and experience volatility

Appeals to employees and employers

creates value

LTD/IDI benefit education

Enrollment/communication

Retain and attract

Tailored and customized solutions

consultative talking points

For customers with long term disability plans in place.

idi – who needs it, who buys it, how to offer it

On shaky ground: The need for disability coverage

Closing the gap: How IDI protects highly compensated employees

IDI today: How businesses are offering IDI

The benefits of Unum IDI

Secura Consultants, 6465 Wayzata Boulevard, Suite 920, Minneapolis, MN 55426 / 855-224-5400 / info@securaconsultants.com