I'm just curious. How many of you guys talk to everyone of your clients (who work because they need their income) about the need to purchase disability insurance?
IMO, if you don't, you may be an "investment sales person" or a an "investment advisor", but you certainly can't consider yourself a "financial advisor".
If you don't do so, why not?
Its something we always bring up when presenting a financial plan and the inherent risks. We cant sell DI but we have a local DI specialist who we refer them to...
I have tried to write several policies. I have found the underwriting to be a real pain. Everyone I have written has been declined, and these were professional people (i.e. lawyers, salespeople)
I have found it to be hard as well, A mailman is considered a "high risk" occupation and they will cover him/her for a maximum of two years.