..:: Advanced Benefit Strategies ::..

Hector L. Ramirez,
Advanced Chartered Benefit Consultant

Phone:
(713) 410-5305

e-mail: info@advancedbenefitstrategies.biz

Advanced Benefit Strategies offers both individual and group disability products for both white and blue-collar workers.

Protecting your client's income is one of the best coverage's you can provide for them. We all concentrate on their life, health and their financial plans for the future, but if we do not protect the income that pays for those coverage's, our financial plan for them will not survive.

Income replacement protection through disability insurance protection not only replaces the income they need to maintain their lifestyle and their family's lifestyle, but also insures that all the other insurance protection you have provided them can still be funded as well.

Assurity Life-products for individuals employed in blue, gray and white-collar occupations earning from $15,000 to $50,000 annually. Small business (under 100 employees) owners, managers, and/or employees.

MetLife, PanAmerican and Union Central offer your Physicians, Attorney's, Accountants and your high income Executives income protection with Long Term Care Riders and Return of Premium. *

*Some riders are not available on all plans and occupations.

Don't forget about your group clients! DI can be offered on a guaranteed issue basis with a minimum of 15 lives. The amount offered depends on:

Type of plan requested-employee or employer paid.
The group's location.
The producer's marketing plan- with voluntary programs, it is especially important to include one-on-one enrollment meetings.
The ages, occupations and gender mix of the group.

Don't waste valuable time submitting a disability income application. To provide a starting point for determining disability income insurance eligibility, use these questions first to pre-screen your prospective clients:

What are your duties at work?
Do you work in your home? If yes, what percentages of your duties are there?
Do you participate in any hazardous avocations?
Are you self-employed? For how long? How many employees do you have? What is your percentage?
Do you use any tobacco products?
Is your height and weight average?
Do you have any significant health history and are you taking any medications?
Have ever taken an antidepressant medication or received counseling for any reason
What is your taxable earned income for the last 2 years?
Do you now have group or individual disability income coverage?

If you have a question or need more detailed information, please contact Hector Ramirez. He will respond promptly.