Disability Insurance

Without disability insurance, your client’s life can fall apart in seconds

Disability is often an overlooked or neglected part of one’s insurance portfolio. By working with the experts at BSMG, you can feel confident in the products, recommendations, and solutions you are bringing to your clients. Whether it’s white-collar, blue-collar, or somewhere in between, BSMG has the best options for you and your clients.

Individual Disability Insurance

Protecting families against a loss of income due to an unforeseen illness or injury. Fully customizable approach to meet your individual needs based on benefits and budget.

Business Buy-Sell / Buyout

Obligations between business owners upon death are commonly addressed. However, what if a business partner becomes disabled and cannot contribute to the success of the business? Addressing disability buy-out needs is easy, and we have the product suite to help you succeed in this market.

High Risk / Specialty

Some individuals obtain the max amount of coverage in the traditional market, but due to income, they need more. By accessing specialty line high limit carriers, like Lloyd’s of London, we can obtain high limit DI for specialty needs/occupations and high income earners.

Without disability insurance, your client’s life can fall apart in seconds

Need a Disability Quote? Call us at 800-343-7772

Individual Disability

Business Buy-Sell / Buyout

High Risk / Specialty

Spotlight

Download our handy chart outlining taxation of disability benefits to aid in planning and discussions of how much disability income is right for your clients.

Meet one of our disability insurance sales experts.

Does Your Client Need DI Insurance?

Tech Spotlight

Learn about VIVE – the fastest way to write term life insurance. Quote, compare, and submit an order in just 5 minutes.

Learn more about VIVE

How to talk to your clients about Disability Insurance

Even though disability insurance (DI) may not be as familiar as other products, like life insurance or employee benefits, DI is just as, or even more, important. Remember to ask clients about their income and business protection, and then recommend DI solutions to help meet their needs.

Help clients see the big picture: You don’t expect anything bad to happen, but if it does, disability insurance covers your expenses when you can’t work.
Make it personal: Do you know anyone who’s suffered from back problems, heart disease or cancer? Did they have a back-up plan for their unexpected illness or injury?
Show what disability insurance is worth: Do you know your earning potential over the course of your lifetime?

See more tips on how to talk to your clients about disability insurance.