Guardian Disability Insurance Brokerage

Disability Insurance for Sales Professionals

Why Sales Professionals Should Choose Berkshire's ProVider Plus For Their Own Individual Disability Insurance Policy...

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If you are residually (partially) disabled, Berkshire's contract only requires a loss of income solely due to sickness or injury, it does not require a loss of time or duties to collect benefits. There is a basic scenario we like to point out to sales people shopping for disability insurance. Let's assume you were totally disabled for eight months, and then miraculously recover one day and are back to work full time. With a residual disability rider you would continue to receive benefits up to the Benefit Period until your income recovers as well, even though there is no longer a loss of time or duties. A carrier that had those requirements would not pay you a residual claim; they may only pay a small recovery benefit. How long would it take you to achieve your pre-disability earnings again? You have to go out, network, make sales, process the sales, and get paid on it. Isn't it possible that although the total disability was eight months, that the residual disability could be even longer before you are financially back on track?

The bottom line is, in a sales position, you are making a big mistake if you own a disability insurance contract that requires a loss of time and duties in order to receive a benefit check. The ProVider Plus from Berkshire Life does not require a loss of time or duties to pay a residual claim, and that is a big advantage for sales professionals who want top notch disability insurance protection.

Additional Provisions Within A Disability Insurance Contract For Sales Professionals

Non-Cancellable & Guaranteed Renewable- This definition is vital for the sales profession, if a policy is Non-Cancellable, than the insurance company can not change the monthly benefit, or the contract as long as you pay the premium. We understand that your income is not always a constant. It can fluctuate from month to month, or from year to year. Once we have underwritten you, even if you earn less money the next year, we cannot change your monthly benefit. We have to pay you your total monthly benefit should you become totally disabled.

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Definition of Total Disability- Berkshire's ProVider Plus has two options for you to choose from on your policy. You may choose a pure own-occupation definition of total disability, or for a bit less can choose to have a modified own-occupation definition. Both definitions protect you if you are unable to perform the material and substantial duties of your regular occupation as a sales professional. The pure own-occ definition would continue to pay benefits even if you were at work in some other capacity, so long as the disability prevented you from performing the duties associated with your occupation at the time of claim. The modified own-occ policy would reduce benefits from any earned income received during a claim.