START WITH THE MORTGAGE.
The DI conversation gets a lot easier from there.
For many clients, “protecting your income” can feel abstract … Protecting the mortgage payment doesn’t.
You probably have a client who fits this.
A homeowner with earned income, a meaningful mortgage payment and little or no individual disability coverage.
UP TO $4,000/MONTH OF PROTECTION
Coverage can be designed around qualifying primary-residence mortgage payments, including escrow, from $1,000 to $4,000 per month.
And getting started can be surprisingly simple:
✓ Mortgage statement for financial verification
✓ No routine labs
✓ No routine attending physician statement
✓ 5-year benefit period
✓ 60-, 90- or 180-day elimination periods
✓ Optional Residual Disability Benefit Rider
✓ Can be written above maximum income-based issue limits
Underwriting approval is still required.
WHO SHOULD YOU THINK ABOUT?
You probably have clients who:
- Recently purchased or refinanced a home
- Have a significant monthly mortgage payment
- Rely heavily on their earned income
- Have little or no individual disability coverage
- Have employer LTD but may still have an income-protection gap
- Have put off DI because the conversation felt too complicated
You don’t have to figure out the DI solution yourself.
Send Fortify the basic client information and current mortgage statement. Our DI team can determine whether this mortgage-focused approach makes sense — or whether the conversation should expand into more comprehensive income protection.
HAVE SOMEONE IN MIND?
Send us the scenario. We’ll help you take it from there.
Send us the basic client information and current mortgage statement. Our DI case-design team will help determine whether the mortgage-focused approach fits – and whether a broader DI conversation may be appropriate.