Equivalent Annual Return by using a DI ROP Rider!

Transcription

1 Centry+ Individal Disability Income Insrance Eqivalent Annal Retrn by sing a DI ROP Rider! Some clients don t by DI becase they think they won t have a claim. Show them ROP STUDY No year-old male Occpation: Sales (4A) $60,000 annal salary ROP amont after 35 years: $30,829 4 $3,400 monthly benefit (68% of gross income) 4 $1,700 base policy and $1,700 Spplemental Disability Rider (SDIR) Residal Rider Retroactive Injry Rider eqivalent annal retrn 4.59% 6.12% 6.37% $ annally (Policy and riders cost: $ annally) A (7/15)

2 Centry+ Individal Disability Income Insrance Eqivalent Annal Retrn by sing a DI ROP Rider! Some clients don t by DI becase they think they won t have a claim. Show them ROP STUDY No year-old male Occpation: Landscaping Owner (3A, after oneocc-class pgrade) $45,000 annal salary ROP amont after 25 years: $51,654 4 $2,750 monthly benefit (73% of net income) 4 $1,650 base policy and $1,100 Spplemental Disability Rider (SDIR) Own Occ Rider, to age 65 Retroactive Injry Rider eqivalent annal retrn 5.37% 7.16% 7.46% $1, annally (Policy and riders cost: $2, annally) B (7/15)

3 Centry+ Individal Disability Income Insrance Eqivalent Annal Retrn by sing a DI ROP Rider! Some clients don t by DI becase they think they won t have a claim. Show them ROP STUDY No year-old male Occpation: Insrance Adjster (3A) ROP amont after 21 years: $14,864 4 $1,185 monthly benefit (enogh to cover mortgage) 4 All base policy ($1,185) eqivalent annal retrn 7.98% 10.64% 11.08% $ annally (Policy and riders cost: $ annally) C (7/15)

4 Centry+ Individal Disability Income Insrance Eqivalent Annal Retrn by sing a DI ROP Rider! Some clients don t by DI becase they think they won t have a claim. Show them ROP STUDY No year-old female Occpation: Nrse (3A) $55,000 annal salary ROP amont after 28 years: $88,484 4 $3,220 monthly benefit (70% of gross income) 4 $2,020 base policy and $1,200 Spplemental Disability Rider (SDIR) Own Occ Rider, to age 65 Retroactive Injry Rider eqivalent annal retrn 5.04% 6.72% 7.00% $1, annally (Policy and riders cost: $3, annally) D (7/15)

5 Centry+ Individal Disability Income Insrance Eqivalent Annal Retrn by sing a DI ROP Rider! Some clients don t by DI becase they think they won t have a claim. Show them ROP STUDY No year-old male Occpation: State Trooper (1A) $40,000 annal salary ROP amont after 39 years: $41,418 4 $2,400 monthly benefit (72% of gross income) 4 $1,000 base policy and $1,400 Spplemental Disability Rider (SDIR) 5-year benefit Catastrophic Rider, to age 65 Retroactive Injry Rider eqivalent annal retrn 4.20% 5.60% 5.83% $ annally (Policy and riders cost: $1, annally) E (7/15)