Guardian Disability Insurance Brokerage

Personal Disability Insurance For Realtors

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. In order to have prospects you have to spend some time in marketing. 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 buy and sell 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.

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Strength of ProVider Plus Disability Insurance for Realtors

The ProVider Plus disability insurance policy offers a residual disability rider as an option. It is an option every realtor needs to have on their policy. The rider has a recovery benefit for up to the entire benefit period while you rebuild your business. 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 disability benefits until your income recovers, even after you have returned to work full time if you continue to suffer a loss due to sickness or injury. Most of our competitors stop paying residual claims once there is no longer a loss of time or duties.

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The Best Way to Purchase this Policy

If you are part of an agency, the best way to purchase this disability insurance policy is through an employer-sponsored plan. An employer-sponsored plan is simple to set up, and will cost the agency nothing. It is a matter of having the agency “endorse” this particular disability insurance policy for all of it’s employees in writing.