Just imagine growing your Disability Insurance business without chasing new prospects.

With resident season starting, many policies are being placed right now. Most producers focus on closing the case… and then move on.

But that’s where the real opportunity actually begins.

With every DI policy we place, there is a Future Increase Option (FIO).

And with every FIO, there is future opportunity already built in.

Now we’re starting to see the effect of that.

One producer, Joe, recently had three cases move forward… all from clients who already had coverage in place.

No new prospecting. No cold outreach.

Just going back to what was already there.

Here’s how.

Through our Policy Review process, clients are prompted to update their income around their policy anniversary. When that happens, we identify whether they now qualify for additional coverage.

One of Joe’s clients updated their income and immediately qualified for more DI.

Joe was notified with:

• Current coverage 

• Updated income 

• Newly eligible benefit 

• And confirmation the client was ready for a conversation 

By the time he reached out, the client already understood the value.

We stepped in, ran the quote, outlined the process, and the case moved forward.

That’s one.

Now multiply that across every policy with an FIO.

This is how DI blocks grow. 

Curious...How many FIO opportunities are currently sitting untouched?

Conditions and limitations apply. Medical and occupational information is not required when applying to exercise an increase option. Applicants must provide evidence of income, employment, as well as all disability insurance with any insurer that is in force, that has been applied for, or for which the applicant is eligible.

Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. True Wealth Strategies LLC is not an affiliate or subsidiary of Guardian. 8904362.1 Exp. 05/28