Your ability to work and earn a living may be your most valuable asset. Would you be able to maintain your standard of living if you were too sick or too hurt to work? Probably not. According to Business Almanac, most people's savings wouldn't cover six months' worth of expenses.

That's why disability income insurance is one of the most important parts of any financial plan. It can help assure that you and your family will have the income you need to live on--and that your retirement savings will continue to grow.

You know that understanding individual disability insurance is key to selling it. Clients are more likely to purchase if they understand it. That’s why Principal Life Insurance Company developed the following short videos. They provide overviews on a variety of disability insurance-related topics. Plus, you can share them with clients.

A disability can happen to anyone, at anytime. Unfortunately, most Americans are not prepared for the financial impact of a disability, especially business owners. Have you considered how a total disability could affect your customers’ ability to make payments on their business loans from your financial institution?

Wednesday, April 28th, 2010 at 2:00 PM Eastern (1:00 Central, 12:00 Mountain and 11:00 Pacific)

The topic is: ”Guaranteed Standard Issue (GSI)”

and will be presented by Tom Esselman, Met Life Senior Account Executive, Brett Neville , Met Life Senior Account Executive and George Davidson of The Plus Group®

Please Join Met Life and The Plus Group® to hear about emerging trends and solutions in the Executive Benefits Disability Market Place. Based on MetLife's 7th Annual Employee Benefits Trends Study reported in 2009:

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guaranteed-standard-issue-gsi-audio-conference-pdf-version.pdf

For producers who know about IDI, this presentation discusses how IDI works with Guarantee Issue and LTD

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disabilty-insurance-301.ppt

DI 201:  For producers who already know about IDI, this presentation provides important information about IDI products and their value

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disability-insurance-201.ppt

DI 101: An introductory presentation for producers new to DI.

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disability-insurance-101.ppt

Sample Individual Disability Income Insurance Policy from The Standard

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sample-individual-disability-income-insurance-policy.pdf

SAMPLE Corporation Insured Purchase Agreement. Cross Purchase Plan (Optional Disability Buy-Out)

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sample-corporation-insured-purchase-agreement.doc

This sample agreement has been prepared as a guide to assist attorneys. It contains the basic provisions which are usually included in such agreements. Our publication, Buy-Sell Arrangements (A Guide for Professional Advisors) discusses some of the pertinent issues to consider in drafting such agreements.

File: 

buy-sell-corporation-trusteed-cross-purchase.doc