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Opportunities in today's market

Most working Americans couldn’t last a month without their paycheck* – help them guard against unexpected illness and injury with disability income insurance. In this seller's guide, you’ll get the tips, tools and ideas you need to show clients the incredible value of DI.


DI Sellers Guide

How our product and process differ

Features like no medical exams or income verification for most clients** and automatic consideration for impaired risk coverage help you reach more clients than ever. Plus, tele-apps and e-apps help improve placement by ensuring apps are in good order.

About disability income insurance

Here are the key highlights of our disability income product. Visit AssureLINK to get the details with the full Product and Underwriting Guides.

Range of monthly benefit amounts

from $500 up to $20,000, depending on occupation class and income

Less paperwork, higher underwriting limits

No automatic medical exam for benefit amounts up to $6,000 and no income verification up to $6,000 for qualifying clients aged 18 to 55.**

Two-year own occupation definition

Pays monthly benefits during the first two years if your client can’t work in their regular occupation, even if they can work in another occupation.

Coverage options

Have clients with a pre-existing condition or injury? We’ve got you – and them – covered. Our underwriting experts automatically offer impaired risk coverage or modifications to get clients the policy that fits them best.

Underwriting made easy

Our process speeds the sale and makes life easier for you and your clients.

No exams or W-2s

No automatic medical exam for benefit amounts up to $6,000 and no income verification up to $6,000 for qualifying clients aged 18 to 55.**

Easy drop ticket

Simply enter your client's information and our in-house team will schedule an interview to complete the app over the phone.

Quicker policy delivery

Accelerated underwriting with options for impaired risk clients.


Tips from the Insurance Pros

Don’t know where to start, how to get conversations going, or what works to generate sales? Listen to some of our top pros explain their proven methods for prospecting and generating sales.

Like what you're reading?

Let's talk more and see how we can help.

*Source: Life Happens, “What Do You Know About Disability Insurance,” August 23, 2018.

**No automatic medical exam required for applicants age 18-55 with monthly benefit amounts up to $6,000. No income verification required for W-2 employees who are not self-employed individuals, with monthly benefit amounts up to $6,000


DISABILITY INCOME INSURANCE PROVIDES LIMITED BENEFIT COVERAGE. It is not a comprehensive major medical plan or Medicare supplement policy. The description of benefits is intended only to highlight the insured’s benefits and should not be relied upon to fully determine coverage. If this description conflicts in any way with the terms of the policy, the terms of the policy prevail. For complete benefits descriptions and conditions, see the policy.

Circular 230 Disclosure: Any U.S. tax information contained in this communication is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or recommending to another party any matters addressed herein.

Policy Form Nos. I H0920, A-D 106, I H1617, I D0710 and Rider Form Nos. R I0921, R I0922, R I0923, R I0925, R I0927, R I0928, R I0929, I R0721, R I1601, R I1602, R I1619, R I1618, R I0711, R I0712, and R I0713 underwritten by Assurity Life Insurance Company, Lincoln, NE.

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.