Ash Brokerage specializes in providing disability income insurance solutions for clients. They offer individual and business disability policies from various carriers to cover risks such as illness, off-the-job injuries, and income protection for business owners. Ash's disability income team can assist advisors with marketing materials, sales concepts, quotes and underwriting guides to help clients obtain the disability coverage they need.

1. Ash Brokerage Does
Disability Income
Worried about where to go for Disability Income? Ash’s DI Team has everything you need to provide your clients sound
insurance solutions. This much needed but often neglected area of a financial plan is a specialty at Ash Brokerage.
Individual Disability Offerings Market Opportunity
White Collar Carriers: n
Business Owners, Unfunded Buy-Sell DI agreements,
n Principal Personal Income Protection
n Metlife n
Fewer than 1 in 3 U.S. workers in private industry
n Union Central have long-term disability coverage through their
n Petersen International employer.1
n
3,000 Americans become disabled every hour. That’s
Middle America Carriers: an average of 50 per minute!2
n Mutual of Omaha
n Assurity Facts
n Illinois Mutual n
Approximately 1 in 3 workers will become disabled for
90 days or more prior to age 65.3
Special Risk / Impaired Risk Carriers: n
Almost 90% of disabling accidents and illnesses
n Petersen International occur off the job and do not qualify for worker’s
n Fidelity compensation.4
n Assurity n
90% of disabilities are caused by illness.5
Policy Riders Offered:
n
About 60% of initial claims for Social Security
n True Own Occupation Definition disability benefits are declined.6
n Transitional Occupation Definition
n
The average long-term disability absence lasts 2 ½
n Residual/ Recovery years.7
n Full Mental Nervous Coverage
n
Disability causes nearly 50% of all mortgage
n Guaranteed Insurability foreclosures, compared to 2% caused by death.8
n COLA
n Return of Premium The Ash Brokerage Disability Income Team provides:
n Critical Illness
n
Fact-finding
n Catastrophic
n
Personalized illustrations
n
Sales assistance
Business Disability Offerings: n
A complete review of in-force policies
n Business Overhead Expense n
Sales and marketing concepts
n Buy-Sell n
Customizable marketing materials
n Keyman
n Guaranteed Standard Issued Offerings Online resources at www.ashbrokerage.com
n Multi-Life/List Bill
n
Quotes
n
Sales Concepts
n
Product & Underwriting Guides
n
DI Calculator
n
News
n
Contacts
1
U.S. Department of Labor, Bureau of Labor Statistics, Employee Benefits in Private Industry in the United States, 2003. 2National Safety Council, Injury Facts 2008 ED.
3
Individual Disability Experience Committee of the Society of Actuaries. 4National Safety Council, Injury Facts, 2008 ED. 5JHA 2002 U.S. Group Disability Rate and Risk
Management Study. 6What you need to know about disability insurance. www.lifehappens.org. 7Commissioner’s Individual Disability Table A. 8What you need to know about
disability insurance. www.lifehappens.org.
(800) 589-3000 www.ashbrokerage.com For Advisor Use Only. Not for Public Dissemination. DI-5002 | Rev. 04/11