Let's face it ... people are accustomed to getting auto and home insurance over the Internet without ever speaking to or meeting an agent. Disability insurance has several more options and is much less familiar to most, making it a challenge to do online. Disability Insurance Update has done a nice job of simplifying the process
Libertyville, IL (PRWEB) November 17, 2008
Disability Insurance Update, a leading online provider of free disability insurance information and quotes from the nation's leading providers, recently introduced the "No Phone Call Disability Insurance Quote".
Under the program, those seeking disability insurance will have the option to do so without the usual call from a licensed disability adviser. "We've had an increase in requests over the past year to provide DI quotes while communicating strictly via email. Problem is, unlike life insurance, disability coverage has a number of options that need to be decided," explains John Massa of Disability Insurance Update.
Those in need of disability insurance will now have the ability to read through and select 9 separate options available for disability insurance. The submitted information is then processed by a professional disability adviser. The two or three most competitive quotes are then emailed to client.
"The key to this program is for the client to be completely accurate when submitting medical history," explains Massa. "Eligibility for disability policies is based on medical history and current income. An inaccuracy in either can lead to an invalid policy later, when it's time to collect benefits."
Those selecting the "No Phone" approach will still work with a disability adviser, just by email. Each adviser's email and phone information are made readily available to clients, who have the option to call or email with questions at any time.
"Let's face it ... people are accustomed to getting auto and home insurance over the Internet without ever speaking to or meeting an agent. Disability insurance has several more options and is much less familiar to most, making it a challenge to do online. Disability Insurance Update has done a nice job of simplifying the process," discusses Rene Apack, president of Insure Your Future, a leading independent disability insurance brokerage.
Using the information submitted online, the agent generates quotes from 10 of the nation's leading providers. The 2 or 3 most competitive quotes are sent to the client for review.
Just as with policies purchased via speaking with an agent, "No Phone" applicants will have to complete the standard underwriting process which includes a short physical exam as well as verification of income. The adviser's responsibility is to keep the client in the loop regarding the information required by the insurance company to write the policy.
"People inquiring about disability income insurance are doing so because they realize the need to protect their income against illness and injury. This gives them another avenue to find the coverage they need," says Massa.
To take advantage of the "No Phone Call Disability Insurance Quote" or for any disability income insurance needs or questions, visit us online at http://www.disability-insurance-update.com.