Individual Disability Insurance
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- Abigail Wood
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1 Individual Disability Insurance Do you know the answers to these Jeopardy-type questions? Let s play!
2 The Need Sales Programs & Discounts Underwriting & Service IDI Products Key Differentiators
3 A package of tools to help producers initiate and complete client reviews to help satisfy insurance needs; includes an easy step-by-step guide and interactive calculator. The Need for 100
4 What is From Here to Security SM? JJ1131
5 A graphic representation that shows how income is the foundation of people's financial plans. The Need for 200
6 What is the pyramid?
7 A disability won't happen to me. Disability insurance is too expensive. I can take care of myself in the event I become disabled. The Need for 300
8 What are common sales objections to the purchase of Individual Disability Income insurance? JJ1260
9 An industry-wide education campaign that occurs during May. The Need for 400
10 What is Disability Insurance Awareness Month? Industry organizations that support this effort: Life Happens, lifehappens.org (lead sponsor) Council for Disability Awareness, disabilitycanhappen.org
11 The triple threat that business owners face. The Need for 500
12 What is protecting personal income, keeping a business open during a disability and keeping a business intact if a partner becomes totally disabled?
13 A streamlined underwriting program that provides an accelerated decision. Sales Programs & Discounts for 100
14 What is Simplified Underwriting?
15 A program that helps clients continue to save for retirement in the event of a disability. Sales Programs & Discounts for 200
16 What is DI Retirement Security?
17 A 20% discount for cases with three or more employees with a common employer. Sales Programs & Discounts for 300
18 What is the Multi-Life Discount? JJ1353
19 Offering business clients both Principal Life Individual and Group disability insurance. Sales Programs & Discounts for 400
20 What is Combination Disability?
21 A 10 percent discount for certain occupations. Sales Programs & Discounts for 500
22 What is the Select Occupation Discount?
23 A comprehensive source of information for all of Principal Life s individual disability insurance products, sales programs and underwriting guidelines. Underwriting & Service for 100
24 What is the IDI Product Description and Underwriting Guide? JJ1213
25 Principal Life s producer website your one stop shop for information. Underwriting & Service for 200
26 What is Advisor Digital?? advisors.principal.com For complete access, a username and password is required. You must be appointed and licensed with Principal Life to obtain.
27 97 percent Underwriting & Service for 300
28 What is the percentage of Principal Life claimants that were satisfied with their experience with The Principal in 2014?
29 A policy that is issued other than applied for (for example with a rider, reduced benefits, higher premium charge, exclusion, etc.) Underwriting & Service for 400
30 What is a modified policy? JJ1258
31 Income/financial, occupation and medical issues. Underwriting & Service for 500
32 What are three main criteria for individual disability insurance underwriting? JJ1250
33 Replaces a portion of earned income lost due to a disability. IDI Products for 100
34 What is Individual Disability Income insurance?
35 Reimburses a business owner for fixed expenses incurred during a disability. IDI Products for 200
36 What is Overhead Expense insurance?
37 Provides benefits to the business when a key employee becomes disabled. IDI Products for 300
38 What is Key Person Replacement insurance?
39 Funds the purchase of a totally disabled business owner's interest under a buy-sell agreement. IDI Products for 400
40 What is Disability Buy-Out insurance?
41 A rider, available at no cost, that provides insureds the opportunity to increase their coverage without proving medical insurability. It s available on three of the four products. IDI Products for 500
42 What is the Benefit Update rider?
43 Two business solutions that protect key persons and business loan obligations in the event of a disability. Key Differentiators for 100
44 What are Key Person Replacement insurance and the Business Loan Protection rider? Go to: principal.com/distateapprovals to find out if these solutions are approved in the states you do business.
45 Your wholesaling team, the National Sales Desk, direct access to underwriting staff, Principal efp, etc. Key Differentiators for 200
46 Where are places/resources a producer can go to for service and support?
47 A dedicated unit that provides help before, during and after the sale for large multi-life cases. Key Differentiators for 300
48 What is the DI Solutions Center?
49 A telephone application process that is a convenient alternative to the traditional application. Key Differentiators for 400
50 What is the TeleApp Interview?
51 Competitive first year commissions Bonus opportunities Tiered renewals Key Differentiators for 500
52 What is Principal Life s competitive compensation offering?
53 Final Jeopardy! Question Your carrier of choice for selling Individual Disability Insurance
54 What is Principal Life Insurance Company?
55 Please remember to abide by the company s policy on disclosure of compensation. You can obtain more information, as well as a disclosure form, at DI Retirement Security is issued as non-cancelable, guaranteed renewable, individual disability income insurance policy. It is not a pension or retirement program or a substitute for such a program. DI Retirement Security is not available for government employees, individuals with Group LT coverage that includes a "retirement supplement" or anyone who is over insured based on Principal Life's current issue and Participation guidelines. It may not be available or the benefit may be reduced for certain occupations if there is existing DI coverage with lifetime benefits. Additional underwriting guidelines may apply. While this communication may be used to promote or market a transaction or an idea that is discussed in the publication, it is intended to provide general information about the subject matter covered and is provided with the understanding that The Principal is not rendering legal, accounting, or tax advice. It is not a marketed opinion and may not be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements. Insurance issued by Principal Life Insurance Company. Principal Life is a member company of the Principal Financial Group, Des Moines, IA Disability Insurance has limitations and exclusions. For costs and complete details of coverage, contact your local representative. DI / Principal Financial Services, Inc.
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