It may not be the first thing that comes to mind, but disability insurance may represent the most important financial product that individuals need during their working years. Generating an income from work is the foundation for all financial planning, allowing individuals to maintain their lifestyle as well as plan for future retirement. The Advisor's Guide to Disability Insurance is a clear, concise, and approachable guide that helps attorneys and other financial professionals understand the opportunities and benefits of disability insurance for their clients as well as for themselves and their families.

This book presents information on disability insurance with a long-term duration until retirement, beginning with the basics and an overview of the different types of disability. Subsequent chapters address key topics in greater depth:

Individual and group long-term disability

Integrated group and individual plans

Underwriting the disability risk

Filing a claim under different policy types

Employment/shareholder agreements

Evaluating and selecting a disability insurance carrier

Regulations and relevant benefit laws

Income protection planning and how it will evolve in the future

The role the advisor plays in planning

Sample planning situations