Who needs Disability Insurance?   Better question, who doesn’t?

What are your clients chances?

Higher than you probably think.

The possibility of a disabling illness or injury may seem remote, but statistics paint a different picture.  Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire. Freak accidents are NOT usually the culprit. Back injuries, cancer, heart disease and other illnesses cause the majority of long-term absences.

Are your clients prepared?

Probably not.

If they’re like most Americans, they don’t have disability insurance. Or enough emergency savings to last 31.2 months. Yes, that’s the duration of the average long-term disability claim.

Universal can help your clients better understand the value of Disability Insurance as part of their financial security plan.  

  • Detailed product information
  • Illustration and sales support
  • Individual and Multi-Life
  • Business Protector (Overhead Expense, Buy-Sell, Key Person, Contractual Obligation)
  • Educational resources and training
  • Sales concepts and tools

Disability Resources

Quote Request Form

Getting a quote for DI is easy– simply tell us a little about yourself and your client’s needs. Ready to get started?   Access our Disability Insurance Quote Request Form Here

Key Terms

When evaluating a disability insurance policy there are many terms you may not be familiar with.  We’ve put together a top ten list of the most important ones.

Resources + Reference

Disability resources and detailed information for both advisors and their clients.

ADA (Americans with Disabilities Act): 
Federal law prohibiting discrimination against people with disabilities

FMLA (Family and Medical Leave Act):
Federal law providing job-protected, unpaid leave for certain medical

SSDI (Social Security Disability Insurance):
Federal insurance program providing income to people unable to work due to disability

Workers’ Compensation:
State and Federal compensation programs for individuals injured on the job

Paid Time Off (PTO):
A benefit in which distinctions between vacation, sick leave, and parental or dependent care time off are eliminated

Taxation of Disability Benefits: 
If disability insurance premiums are paid with after-tax income, benefits received are tax-free

Employee Retirement Income Security Act of 1974 (ERISA): 
A federal law that sets minimum standards for most voluntarily established pension and health plans in private industry to provide protection for individuals in these plans.


Find the answers to the most common client questions here.

Charts + Graphs Library

Research has shown that many individuals prefer to receive information graphically rather than from numbers or written text. The charts and graphs are provided through the Council for Disability Awareness (CDA) and were derived from various sources, including CDA studies. Access them here.

Disability Needs Calculator

How much do your client’s need? Everyone’s circumstances are different. This calculator will help you estimate how much coverage is right. Access Calculator here.

Disability Carrier Manuals

Mass Mutual
Principal Pocket UW Guide
The Standard - Assurity
The Standard - UW Guide
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