As a health insurance agent, you play an integral role in helping individuals secure a variety of health insurance and ancillary benefits. But one type of coverage that’s often overlooked by agents is disability income insurance. According to Mutual of Omaha, “51 million working adults in the U.S. don’t have disability income coverage,” while only 40 percent of households have sufficient liquid savings to cover three months of expenses. An even more shocking statistic is that “one in four workers can expect to be out of work for at least a year” due to a disabling condition before retirement age. Clearly, the need is real.

As insurance agents, we understand our clients’ excitement when they’re planning a trip, eagerly looking forward to exploring new destinations, immersing themselves in different cultures, and sampling exotic cuisines. However, we also know that it's crucial to prepare them for potential emergencies. Travel medical insurance is a vital component of any travel plan, and we must ensure our clients are aware of its benefits and the protection it offers.

As a general rule, people don’t like health insurance. It’s confusing, the premiums are difficult for many people to afford, and those without serious or chronic conditions may never hit the deductible, reducing their perceived value of the plan.

They say the only two things in life that are guaranteed are death and taxes, and since most of us aren’t CPAs, we should probably focus our attention on the former rather than the latter.

In the weeks ahead, you’ll be visiting in person or by phone with almost every one of your clients and prospects. That means that you have a great opportunity, with a slight adjustment to your normal sales pitch, to increase your income substantially while offering a great benefit that both individuals and employers will be interested in.