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Income protection is often overlooked when people review their insurance needs.

BUT, protecting their ability to earn a living is one of the most important things someone can do, for themselves and their families. This is why agents need to offer Disability Income Insurance to their clients.

Your clients don't plan on becoming disabled, but what's their plan if they do?

Some common objections we hear from agents are:


The underwriting is too tough and takes too long. 


Believe it or not, UMS has carriers that are able to make underwriting decisions within days of the phone health interview!



Disability insurance isn't affordable.

Consider this: Offer your client a plan that will pay the top one or two monthly expenses, instead of a full 67% of their income. UMS can also help you to “back” into the benefit by determining the amount of premium per month that is affordable to the client.


I'm not interested in selling DI or I have enough going on with everything else I'm selling.

Consider this, your client is more likely to remain loyal to you if you’re able to offer them the things they need! You don’t need to be a Disability specialist! Let UMS help you help your clients, while you focus on what you do best.




Don’t give the business away or let someone take it from you, start talking to your clients about disability income, they are 3.5 times more likely to need disability coverage in their working years, than life insurance.


So Call UMS Today!

Disability Carriers

Ameritas (Union Central)

Assurity Life

Illinois Mutual

Mutual of Omaha


Designed for insurance financial professional use.

Underwriters Marketing Service

100 Century Parkway

Suite 240

Mt Laurel NJ 08054

Phone:  800-524-1774

Fax:       856-727-0600