Using AdvisorTermQuotes.com&DI Update for Physicians and Dentists<br />October 20, 2010<br />Web Conference<br />Presented...
About us<br />Ryan Insurance Strategy Consultants and John Ryan, CFP®<br />Working with NAPFA advisors since 1983<br />Nat...
AdvisorTermQuotes.com<br />
AdvisorTermQuotes.com<br />Term Life Quotes in 60 seconds or less<br />Industry’s most competitive term life plans<br />To...
Choosing A Company/Product <br />Check the company ratings<br />“Company Financial Ratings” link on our website<br />Medic...
Update:DI for Physicians and Dentists<br />
Increased Issue & Participation Limits for Physicians and Dentists<br />Most DI companies have increased issue and partici...
Cost of DI vs Homeowners Insurance<br />Age 30<br />$250,000/ year income<br />20 year career<br />Discount rate 5%<br />E...
Cost of DI vs Homeowners Insurance<br />Age 45<br />$250,000/ year income<br />10 year career<br />Discount rate 5%<br />E...
Layers Of DisabilityFor Physicians and Dentists<br />
Other Layers of DI Protection<br />Practice/Business Overhead Expense DI<br />Covers ongoing business expenses<br />Covers...
3 Ways to Get a Proposal<br />Call us to create a Request for Proposal<br />800.796.0909 <br />Email John or staff<br />Se...
How To Apply<br />Put us in touch with your client so all paperwork can be completed in a 20 minute phone interview. Our k...
Contact Us:<br />Ryan Insurance Strategy Consultants<br />800.796.0909<br />John Ryan ext 102 <br />John_Ryan@Ryan-Insuran...
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10.20.10 AdvisorTermQuotes.com and DI Update

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Transcript of "10.20.10 AdvisorTermQuotes.com and DI Update"

  1. 1. Using AdvisorTermQuotes.com&DI Update for Physicians and Dentists<br />October 20, 2010<br />Web Conference<br />Presented by<br />John Ryan, CFP®<br />Ryan Insurance Strategy Consultants<br />
  2. 2. About us<br />Ryan Insurance Strategy Consultants and John Ryan, CFP®<br />Working with NAPFA advisors since 1983<br />Nationally recognized experts in Life, DI, and Long-term Care Insurance planning<br />Long time supporter of NAPFA<br />See John Ryan’s bio at www.Ryan-Insurance.net for more information<br />
  3. 3. AdvisorTermQuotes.com<br />
  4. 4. AdvisorTermQuotes.com<br />Term Life Quotes in 60 seconds or less<br />Industry’s most competitive term life plans<br />Top 50 plans quoted<br />Exclusively for Fee-Only advisors and their clients<br />No required contact with “salesmen”<br />
  5. 5. Choosing A Company/Product <br />Check the company ratings<br />“Company Financial Ratings” link on our website<br />Medical history changes the picture<br />Medical history may change the premiums offered by a company and also may change which company is most competitive.<br />Look at the conversion options. <br />“Conversion Option Deadlines” link on the Life Insurance page of our website.<br />Older conversion age = higher premiums<br />www. Ryan-Insurance.Net<br />
  6. 6. Update:DI for Physicians and Dentists<br />
  7. 7. Increased Issue & Participation Limits for Physicians and Dentists<br />Most DI companies have increased issue and participation (I & P) limits for Individual Disability Income Insurance. These competitive limits can increase your client’s protection.<br />
  8. 8. Cost of DI vs Homeowners Insurance<br />Age 30<br />$250,000/ year income<br />20 year career<br />Discount rate 5%<br />Earnings increase 5% per year<br />Present value of earnings = $5,000,000<br />Value of home= $5,000,000<br />
  9. 9. Cost of DI vs Homeowners Insurance<br />Age 45<br />$250,000/ year income<br />10 year career<br />Discount rate 5%<br />Earnings increase 5% per year<br />Present value of earnings = $2,500,000<br />Value of home= $2,500,000<br />
  10. 10. Layers Of DisabilityFor Physicians and Dentists<br />
  11. 11. Other Layers of DI Protection<br />Practice/Business Overhead Expense DI<br />Covers ongoing business expenses<br />Covers salary of replacement<br />Covers loan obligations<br />Buy/Sell DI<br />Provides funding for buy-sell agreements<br />
  12. 12.
  13. 13. 3 Ways to Get a Proposal<br />Call us to create a Request for Proposal<br />800.796.0909 <br />Email John or staff<br />See the “Contact Us” page of our website<br />Submit an on-line quote request form<br />In the “Disability Insurance” section of our website<br />www.Ryan-Insurance.net<br />
  14. 14. How To Apply<br />Put us in touch with your client so all paperwork can be completed in a 20 minute phone interview. Our knowledgeable staff will competently and professionally guide your client through the underwriting process. <br />
  15. 15. Contact Us:<br />Ryan Insurance Strategy Consultants<br />800.796.0909<br />John Ryan ext 102 <br />John_Ryan@Ryan-Insurance.net<br />www.Ryan-Insurance.net<br />Web conference slides are available at<br />http://www.slideshare.net/risc79438<br />15<br />
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