Disability Marketing: Brokers Use Only Literature

Who needs income protection?

We all do! Income is the foundation of the lives we create. And the reality is, we're vulnerable. Whether your clients are looking for individual income or business protection, Northeast Brokerage can help you identify where the opportunity is.

Two of the biggest myths about disability are that it doesn't happen to younger people and that it's largely the result of work-related accidents. In fact:

  • Just over 1 in 4 of today's 20-year-olds will experience a period of disability before they retire. Social Security Administration, Fact Sheet February 7, 2013
  • 90% of all disabilities are caused by illness, while only 10% are the result of accidents. Council for Disability Awareness, Long-Term Disability Claims Review, 2012
  • Close to 95% of all disabling accidents and illnesses are not work-related. Council for Disability Awareness, Long-Term Disability Claims Review, 2012

We hope you use the below library of Brokerage pieces to help understand the various product lines, strength of carrier.   Please also refer to our Client/Prospecting area for great pieces to use out in the field.

For full specifications on all product lines please review the Disability Product Overview piece below.


Producer Guide to DI Protection for Business Owners
This Producer Guide contains the same content as the client-facing version of the Keep Your Business Sailing Smoothly brochure. However, we’ve added the listing of tools on this page to the Producer Guide to augment your sales efforts with the products and programs discussed throughout this brochure.
Supplement Income Protection Program
We make it easy to provide additional income replacement that highly compensated employees need. Since this program issues individual disability income insurance (IDI), you earn commission on each policy sold. Plus, our first-class implementation team manages worksite enrollments and renewals.
Exceptional Breadth of DI Products
Broker Use Only Flyer: Individual Disability Coverage. Succeed in More Sales Situations Leverage our ProVider Plus portfolio of individual disability income (DI) products to help your clients get the protection they need in the event of disability. With one of the broadest product portfolios in the industry, you’re sure to find just what you need to tailor coverage to each client’s unique circumstances.
Simplified Business Owner Advantages Flyer
Broker Use Only: Whether you’re working with new or established business owners, we are the clear choice for individual disability income protection.
Quick Facts: Group LTD Conversion Flyer
Broker Use Only: The Group LTD Conversion Program provides the opportunity for individuals covered under a Guardian Group LTD Program as students, residents or fellows to convert their coverage to ProVider Plus individual disability income insurance at the end of their program.
Quick Facts: Discount DI for Key Employees Flyer
Broker Use Only: In this program, a business deducts premiums from select employees’ salary to pay premiums for IDI coverage, providing the business with a tax deduction. The business then pays a bonus to the employee to cover the deducted amount.
Quick Facts: Qualified Sick Pay Program
Broker Use Only: A qualified sick pay plan is a formal agreement that provides the legal basis for a business to continue tax-deductible salary payments during a period of disability. Once a QSPP plan is set up and communicated to employees, the business is obligated to pay the benefits.
Quick Facts: Discounted DI for Professional Group Flyer
Broker Use Only: This program provides groups of employees with individual disability income protection at a discounted rate. No employer sponsorship is required.
Quick Facts: Discounted DI for Students and Residents
Broker Use Only: This program provides individual disability income protection at a discounted rate for students and residents at approved institutions.
Our Value... Your Success
Innovation. Affordability. Proven Expertise. When it comes to meeting the needs of an ever-changing marketplace and providing clients with industry leading disability coverage, producers who work with us do so for a good reason.
Individual Disability Income Insurance- Product Overview
Brochure that outlines Personal Income Protection and Business Protection product lines, features, special programs and discount programs.
Take Your Business Further
Are You Seeking Additional Lines of Revenue? Our Supplemental Income Protection Program program has what you need to enhance your clients’ disability benefits while creating competitive, recurring revenue with one of the most competitive benefit programs in the industry today.
Programs to Boost Sales
Featured: Guardian's Provider Plus & Provider Plus Limited Various ideas to boost sales utilizing this product line.
Exceptional Breadth of DI Business Products Flyer
Help small Business owners shield themselves from Disability’s choppy Waters Practice and small business owners are heavily invested, both financially and emotionally, in the enterprise they worked so hard to create. They face unique challenges when it comes to safeguarding that business in the event that one of the co-owners became too sick or injured to work. Preserving the continuity of the business and retaining customers is important whether they eventually return to work or decide to sell the business.
Income Protection Programs for Small Businesses
Brokerage Use Only: Great piece laying out how to utilize individual disability coverage in many small business applications.
Disability Insurance to Fund Buy-Sell Agreements Flyer
Practice and small business owners are heavily invested in their business, both financially and emotionally. The partners work as a team. But what would happen to that sense of team if one of the co-owners became disabled? Without a specific plan to help buy out the business interest of a disabled co-owner, that teamwork can easily dissolve into conflict.
DI Specifically for Business Loans
Got Clients with Business Loans? Small business and practice owners often need to undertake sizeable financial obligations to grow their business or to acquire one. But how would that debt be repaid in the event your client became disabled?
DI For Owners, Employees and Businesses Worksheet
This worksheet is designed to help you understand how the business is structured, to determine the business owner’s objectives, and to find out about coverage that may already be in place so you can recommend the appropriate coverage.
Supplemental Income Protection Program Flyer
Keeping Income Strong This powerful program enhances Group LTD benefits with supplemental individual disability insurance (IDI). Group LTD is a terrific start to protecting income, however, it may not be enough:


Catagory Key:

Guide = A piece that usually is meant for Producer or Broker Use only.  These pieces are more in depth about the particular product or strategy. 
Broker Use Only = All pieces that are not to be used with the general public.  These are pieces on sales strategies, product lines, riders etc... 
Client/Prospect Use Only = All pieces that you can use to either market to clients, support pieces when speaking about a product, rider or strategy based.

To reach out to a product specialist please click here for a listing of contacts.