DISABILITY INCOME INSURANCE

Protect the one asset almost every client depends on ... their paycheck

Disability income is a fast-growing, deeply underserved line. Brokers Alliance gives you broad carrier access, case design support, and a back office that carries the paperwork, so you can shop each case instead of forcing it into one carrier.

Get contracted Talk to the team
01 · INCOME PROTECTION

Sell the income, not the product

When a client relies on earned income to cover a mortgage, tuition, or everyday expenses, that income is worth protecting. Framing the conversation around income protection, rather than a product pitch, is what moves a disability sale forward. Anyone who relies on a paycheck is a candidate.

Simplified underwriting on benefits up to $5,000 monthly Guarantee Issue plans Association plans Hospital Endorsement plans 24/7 case status reports Broad carrier access
02 · COVERAGE LINES

Individual and business solutions

One brokerage relationship covers the full range of disability income needs, from a professional protecting a personal paycheck to a business protecting its owners and its balance sheet.

ID Individual Disability Income
Core income protection for professionals and dual-income households who would struggle if a paycheck stopped.
BO Business Overhead Expense
Keeps the lights on when an owner is disabled, covering rent, payroll, and the fixed costs of running the business.
DB Disability Buy-Out
Funds a buy-sell agreement so partners can buy out a disabled owner without draining the business.
KM Key Man
Protects the business against the lost productivity and cost of replacing a disabled key employee.
LI Loan Indemnification
Covers loan obligations when a borrower or guarantor becomes disabled and cannot service the debt.
CI Critical Illness & Group
Group and critical illness coverage to round out the case and reach clients an individual policy would miss.
03 · THE APPROACH

A repeatable way to add disability income to more cases

You will never feel alone during the sales process. Underwriting assistance, case design, and local expertise sit behind every step.

  1. 1
    Identify the prospects

    Any working client who would struggle if a paycheck stopped is a candidate, from business owners and professionals to dual-income households.

  2. 2
    Quantify the exposure

    Walk the client through how long savings would last with no income, then show how a monthly benefit fills that gap.

  3. 3
    Match the coverage

    Use case design support to line up the right benefit period, elimination period, and definition of disability for each client.

  4. 4
    Position it alongside what you already sell

    Disability income pairs naturally with the life, annuity, and health lines you place, so it fits reviews you are already doing.

  5. 5
    Let the back office carry the paperwork

    New business submission, licensing, contracting, and commissions are handled for you, so you stay in front of clients.

04 · BROKERAGE SUPPORT

A disability brokerage that carries the case

Whether disability income is a core line for you or an occasional add-on, the support is the same. Serve the case in front of you without building carrier relationships one at a time.

$0 Free, no-fee contracting
Contract across disability income carriers at no cost, with no upfront investment to add the line.
CD Case design support
Structure coverage that fits the client and the budget, backed by underwriting assistance and local expertise.
BO Back-office handling
New business submission, licensing, contracting, and commissions handled for you, with 24/7 case status.
QT Quoting & technology
Quoting and technology tools to compare options quickly and shop each case across carriers.
BK You keep your book
Full ownership of your book of business. The relationships you build stay yours.
82 Since 1982
Independently owned since 1982, serving agents, agencies, and other IMOs, FMOs, and BGAs from Fountain Hills, Arizona.

Ready to add disability income to your book?

Contracting is free and you keep your book of business. Get contracted, or call the team at (866) 872-9394.

Get contracted
Get Contracted Call BA