Sales Professional Disability Insurance

Disability Insurance for Sales Professionals

As a sales professional, your health is one of your most important assets. Every day, you need energy, focus, and stamina if you are going to be successful. A sickness or injury will rob you of these important abilities and will impact your income and maybe even your ability to keep your job.

Protecting your career and finances against the debilitating effects of adverse physical and mental health must be of the utmost importance. The best way to do this is through a solid plan of action and a disability insurance plan designed specifically to protect you are a sales professional.

You are unique and your job requires unique skills. Some sales people are “road warriors” and spend countless hours on planes as they travel the country or the world meeting with customers. Others work the phones tirelessly but rarely have to go out of the office.

Some sales positions are physically demanding, possibly because their duties put them on a hazardous job site or because the items sold are large or cumbersome. No one sales position is exactly like the other so don’t risk your livelihood on a “one size fits all” solution!

When disability strikes, your ability to perform your unique sales occupation will suffer. You may be unable to travel or speak on the phone. You might have pain that precludes you from driving. Client meetings may become more difficult and less frequent. Producing new sales and generating your previous levels of income will become more and more difficult, if not entirely impossible.

Protect Your Future: Sales Professional Disability Insurance

Having a strategy to protect you during short term, moderate and severe disabilities by setting up your plan and installing your disability insurance policy will make all the difference in your future when these difficult roadblocks arise in your sales career.

Designing a proper sales professional disability insurance plan that protects your sales career and the skills required to perform at the top of your ability should be your priority, and by completing The 7 Steps to Disability Planning Success™, you will be assured of the best plan possible.

MyDisabilityPlans.com isn’t just an insurance provider or broker. We’re specialists in helping you design your plan and in finding the ideal disability insurance policy designed especially for sales professionals.

Coverage Considerations: Sales Professional Disability Insurance

When reviewing carriers and designing your disability insurance for sales professionals plan, we’ll review the most important features required to design your unique plan, such as:

• The Most Appropriate Definition of Disability – The cornerstone of your disability insurance plan is your definition of disability. We can utilize different configurations of “own occupation” provisions along with features such as “transitional own occupation” to build an even stronger plan. Each sales occupation is unique, and requires different responsibilities to be successful. How those unique skills are covered is important in your sales professional disability insurance coverage and leveraging these definitions to get the best value to price combination is our specialty.
• Residual Disability – Not all disabilities result in your complete inability to work. Many times a sickness or illness will mean that you can’t work as long or as effectively as before. These “residual” disabilities mean reduced income for you and you’ll need benefits from your disability policy to fill the gap. A properly designed disability insurance policy will take into account the possibility of losing a portion of your income.
• Recovery Benefits – This may be a key feature of your unique plan! Does your sales position allow for the opportunity for you to return to work after a disability but still suffer a loss of income because your “pipeline” is empty? If so, a strong recovery provision will be important for your plan! This provision allows for continued payment of benefits based on the loss of income associated with your prior disability.
• Future Purchase Options – Will your disability plan provide a way to increase your coverage when your income increases, even if your health changes and you now don’t qualify medically? MyDisabilityPlans.com will make sure you have the appropriate provisions to allow your plan to grow with you if this is something important to you and your plan.

MyDisabilityPlans.com will walk you through The 7 Steps to Disability Planning Success™ and make sure your disability insurance policy fits your unique sales professional occupation.