Guarantee Issue Disability
IF YOU OFFER GROUP DISABILITY COVERAGE TO YOUR CLIENTS, THAT’S A GREAT START!
Typically group LTD plans cover 60% of base salary (not covering variable income) leaving highly compensated employees with less income protection. KME Insurance Brokerage has been working with brokers and benefit producers for over 20 years and are specialists in the executive disability market, providing solutions for the income protection gap.
What We Do For You
- Identifying your current corporate clients that have a need for supplemental individual disability coverage
- Presentation development, pricing analysis and recommendation
- Due diligence of carrier selection to the benefit of your client
- Point of Sale Support
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If a voluntary enrollment, create communication strategy and institute enrollment best practices. Paper enrollment; Electronic Enrollment; Combination of both
- Create an income gap analysis for your current group LTD clients to determine the need
KME provides you with:
Establishing the Need
Negotiate Offers
Point of Sale
Implementation
No Commission Splits
Enrollment and Administrative Services
Provide employees with individual disability consultations, not a call center, but a knowledgeable Disability specialists team.
Offer coverage comparisons for any employees with existing disability coverage
Answer claims questions
Handle eligible employee Inquiries throughout the enrollment
Assist client in billing questions
Assist broker with commission questions
Design communication strategy for new hires and increases
Employees have access to our Concierge Services
Questions? Employees can contact KME Concierge Services at 855-956-5820 Monday-Friday 8:30-5:00 CST
Questions? Call Steven Heney