Long Term Disability Insurance

Earn more commission with this easy up-sell.

Six out of 10 corporations offer long term disability insurance as a company benefit. Health care reform and the Affordable Care Act create financial challenges for employers and employees who get sick or become disabled. A generous long term disability insurance plan can help alleviate some of the financial strain, and improve the odds that the employees will return to work for the same organization as soon as they are able. Long term disability plans begin when state mandated DBL or temporary disability insurance stops, and help build employee loyalty and provide peace-of-mind for an employer.

Our LTD Plans From Top Insurance Carriers Offer Choices For Your Customers

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Expand Your Book of Business

Do you want to expand your book of business by selling enhanced DBL, TDI, and TDB insurance, as well as increasing your commissions through ancillary products?

Tiered Plan

Class Eligibility Coverage Maximum Benefit Waiting Period
Class I Executives 60% of salary $15,000/mos 90-180 days
Class II Management Only 60% of salary $5,000/mos 180 days
Class III All Other Employees 60% of salary $2,000/mos 180 days

The above is just an example. The amount of coverage provided is up to you and your customers, based on the plans you choose. As an alternative, your customers may choose voluntary employee benefits where the employee pays 100 percent of the premium for life insurance.

Let Us Do the Work While You Increase Your Commissions

Selling long term disability plans is a great way to earn more commission, while InsuranceWholesaler.net makes it easy because we manage and maintain the policies for you. Plans vary, and The DBL Center Ltd. can help you select the plans and carriers that are best for your clients. Get started earning more commission by offering your clients group long-term disability benefits today.

Long term disability as a group benefit is less expensive than individual disability insurance. The employer can cover the premiums in full, or may choose to have the employees contribute, making it a tax-free benefit for employees. In some cases, the corporation may opt to make long term disability insurance a voluntary benefit, with the employees paying 100 percent of the premium before taxes.