Disability Income Insurance for Sales Professionals

Sales Professionals, when successful, are usually some of the hardest workers out there. You do not have the luxury of comfort in knowing that your W–2 salary will be deposited on the 15th and 30th of each month, and so you work diligently to provide for yourself and your family. How would a disabling injury or illness affect your quality of life? Are you prepared to handle a 2 or 5–year break from work?

Own-Occupation Disability insurance can provide you the income insurance protection you need for your specific occupation. The True Own-Occupation definition of disability allows you to receive a monthly benefit if you are unable to perform the material and substantial duties of your profession, even if you are able and/or working in a different occupation.

Because the mentality of most Sales professionals is that a person should work hard in order to earn more, it is likely that if you can work in some other occupation, you will choose to do so. Only True Own-Occupation disability insurance will allow you to receive benefits while working elsewhere, even if you are earning more on disability claim than prior.

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Residual Disability Benefits for Sales Professionals

In addition to having an Own-Occupation definition of disability, sales professionals should have Residual Disability benefits included in their coverage. Residual disability benefits will pay you a partial benefit if you experience a loss of income due to an injury or illness.

As you review multiple disability insurance quotes, make sure the policy you chose has a residual disability benefit that pays when you experience a loss of income, not a loss of time. Additionally, be sure that it also provides Recovery benefits for as long as possible. Recovery benefits are paid when you return to work full time after experiencing a disability, but still have a loss of income. Some of the top insurance carriers we work with provide recovery benefits for the full policy benefit period. Most other companies provide a 36–month recovery benefit at best, and do not charge you any less for it.

Your ability to wake up and go to work every morning to earn an income is what allows you and your family to maintain the quality of life you have. Without it, everything you have worked so hard for could be in jeopardy. We encourage you to call 1–800–817–4522 or request a Disability insurance quote today and learn more about the options available to you.

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