Guardian Disability Insurance Brokerage

Disability Insurance For Realtors

Disability Insurance Quote Gender: View All Male Female Age: View All 25-30 31-35 36-40 41-45 46-50 51-55 Monthly Benefit Amount: View All $0-$1,000 - (Income needed: $ 18,000) $1,000-$2,000 - (Income needed: $ 34,000) $2,000-$3,000 - (Income needed: $ 52,500) $3,000-$4,000 - (Income needed: $ 75,000) $4,000-$5,000 - (Income needed: $100,000) $5,000-$6,000 - (Income needed: $124,500) $6,000-$7,000 - (Income needed: $148,500) $7,000-$8,000 - (Income needed: $171,500) $8,000-$9,000 - (Income needed: $196,500) $9,000-$10,000 - (Income needed: $220,000) $10,000-$11,000 - (Income needed: $243,500) $11,000-$12,000 - (Income needed: $266,500) $12,000-$13,000 - (Income needed: $290,000) $13,000-$14,000 - (Income needed: $312,500) $14,000-$15,000 - (Income needed: $348,000) $15,000-$16,000 - (Income needed: $408,000) $16,000-$17,000 - (Income needed: $475,000) Our agents have 171 Realtor Clients

As a real estate agent, you understand the concept of a sales cycle. For you to earn money you have to go through a sales cycle with every prospect. Do you remember how long it took you to establish the level of success you have right now? Can you imagine having to do it all over again?

Nobody ever believes they will become disabled, and many times people try to get an individual disability insurance policy after it is too late. You are in a profession that depends upon your ability to generate income for you and your family. Should a sickness or injury limit your ability to negotiate the buying and selling of homes for your clients, your personal income could potentially be devastated. Whether you work for an agency, or as an independent realtor, you need to own a personal disability insurance policy to guarantee that you will have income every month even if you suffer a long term sickness or injury.

Disability Insurance Quotes Call 888-513-2300

Most Common Optional Riders1 for Realtor Clients Based Upon the Age, Gender, & Benefit Amount Selected Above 1. Residual Disability Benefit Rider This rider provides a benefit when solely due to sickness or injury‚ you suffer a loss of 15% or more of your income. There is no loss of time or duties requirement. This rider also has a recovery provision whereby‚ if you recover and return to work but still suffer a loss of income of at least 15% of your prior income‚ you will continue to be eligible for this benefit for the full duration of the benefit period. Most agents feel this is a must have rider on every policy. 85.11% 2. Future Increase Option Rider This option allows consumers the ability to obtain additional disability coverage in the future regardless of any adverse changes in their health. Many people believe that their incomes will continue to rise over the years‚ and this rider allows you to buy more disability insurance coverage in the future each year on the policy's anniversary up to and including age 55. The rider also includes special option dates that allow off-anniversary increases for events such as the loss of group long term disability coverage. While medical information is not required when exercising this option‚ applications to exercise this option will be financially underwritten taking into consideration both current income and all other disability insurance in force for the insured has applied or is eligible to receive. 73.48% 3. 3% Compound Cost of Living Adjustment (COLA) Rider2 Cost of Living Adjustment rider will increase your total monthly benefit every month you are on claim up to 3% after you have been disabled for 12 months. 47.66% 4. Social Insurance Substitute Rider This is a monthly benefit that coordinates with payments received from the Social Security Administration ('SSA') for a disability‚ as well as other similar government programs. If you receive Social Security Disability Insurance‚ the insurance company will reduce the amount of benefits payable under this rider dollar for dollar from $200 to $1‚500 . This rider is often purchased to reduce the total cost of coverage‚ while helping assure an adequate level of disability protection. 18.44% 5. Catastrophic Disability Benefit Rider This rider provides additional benefits to you should the disability be so severe that is causes you to be unable to perform 2 or more of the Activities of Daily Living including: bathing‚ dressing‚ eating‚ transferring‚ toileting‚ or continence or you suffer a cognitive impairment requiring substantial supervision. 10.64% 6. 4-Year Delayed COLA Rider2 This Cost of Living Adjustment (COLA) rider will help to increase benefits during a claim. The 4-Year Delayed option is less expensive than a normal 3% COLA rider because you are essentially self insuring the first 4 years of COLA increases during a claim. 6.81% 7. Automatic Benefit Enhancement Rider This rider is at no cost‚ and will increase your monthly benefits by 4% every year for six years‚ with no proof of income. While the rider itself is provided at no cost‚ additional premiums are required... for coverage added by the rider. 6.81% 8. Unemployment Waiver of Premium Rider An inexpensive rider that waives the premiums for your DI policy for up to one year should you be on unemployment and receive unemployment compensation for at least 60 consecutive days. 5.82% 9. 6% Compound Cost of Living Adjustment (COLA) Rider2 Cost of Living Adjustment rider will increase your total monthly benefit every month you are on claim up to 6% after you have been disabled for 12 months. 1.13% 10. Basic Residual Disability Benefit Rider Sometimes an illness or injury doesn't cause a total disability but does limit your ability to work‚ which results in decreased income. Or‚ you might suffer a total disability and return to work‚ but not at your pre-disability earnings. The Basic Residual Disability Benefit Rider helps offset your disability-related earnings. This feature provides benefits when‚ solely due to injury or sickness‚ you suffer a loss of income of 20% or more and you can perform one or more‚ but not all‚ of the material and substantial duties of your occupation‚ or you can perform them all‚ but not for the length of time they normally require. 0.99%

Strength of ProVider Plus Disability Insurance for Realtors

The ProVider Plus disability insurance policy offers a Residual Disability Benefit Rider as an option. It is an option every realtor needs to have on their policy. The rider has a built-in recovery provision that is designed to do more to assist with your financial recovery following a disability. If you think about it, you are not in an occupation that will offer you the same money you were making before a long term disability the moment you return to work. It is going to take a lot of time for you to prospect, generate new listings and sales, and finally get paid again at the level you were accustomed to. A six month disability could take a long time to recover from financially. This disability insurance policy is one of the few that will keep paying you residual disability benefits until your income recovers or until the end of the benefit period, even after you have returned to work full time if you continue to suffer a loss of income of at least 15% due to sickness or injury.