Will you be OK if you get sick or are injured and can't work? How much will Social Security cover? How much will workers' comp cover? The chances of suffering a disabling injury during your working life are far greater than of dying during the same period. Yet many more people buy life insurance (which only pays when they die) than buy disability insurance (which pays when they're injured or too sick to work). Many Americans have too much life insurance and not enough disability. This book explains disability coverage, why it's important and how it's sold.

Need help understanding what disability insurance is and why it's a critical way to protect your financial future? With decades of experience in the insurance business, Tony Steuer and Maxwell Schmitz deliver a practical resource for choosing the best disability insurance policy for you, whether you currently have a policy or not. Step-by-step, they lead you through the process of making key disability insurance decisions and understanding important factors.

The key to better serving clients while increasing sales in the disability insurance market. Learn how to teach your clients about the options available, determine their needs, and choose products to meet those needs. Show your clients that they need more disabilty income protection than an employer can provide. Present disability income coverage as a wealth preservation vehicle. Explain Social Security and Worker's Compensation limited disability income protection. Build the bridge to future long-term care sales.