Overview

This presentation focused on the foundational elements of disability insurance, emphasizing the importance of a client-first approach. It outlined three main types of disability insurance contracts—non-cancellable, guaranteed renewable, and simplified issue—each with distinct premium structures and features. The presentation also covered key definitions of disability, including own occupation, regular occupation, and any occupation, as well as the value of optional riders such as partial disability, indexation, and future insurability. Additionally, it addressed important considerations like exclusions, limitations, and integration provisions. Emphasis was placed on the advisor’s role in educating clients to ensure they fully understand and effectively utilize their coverage.