Selling individual disability insurance can take time. From first broaching the subject with your client and submitting an offer, to underwriting and application approval, the process can often take a few weeks, if not months, to complete.
There also can be a back and forth between the carrier and client to clarify documentation, especially during the underwriting process. What’s more, this process can often end in an unexpected result for your client: a modified offer.
What is a modified offer and how do I bring it up? Click here for tips.