Disability Insurance Brokerage—Protect Every Paycheck and Business
More Likely Than You Think—DI Is Essential for Complete Client Protection
Many agents focus on life insurance but overlook disability coverage, even though a long-term disability is more common than premature death during working years. For clients, losing income to illness or injury can be financially devastating—and for brokers, missing this need risks leaving clients exposed and business on the table. Diversified Brokerage Specialists helps agents confidently deliver both personal and business DI solutions, with education, quoting tools, and hands-on support every step of the way.
Trusted DI Brokerage for Agents Who Want to Do More
See how agents grow their revenue and client loyalty by adding disability protection with DBS.
Every Disability Insurance Solution, All in One Place
Individual Disability Insurance
Replace lost income for professionals, employees, or self-employed clients with policies tailored by occupation, benefit period, and coverage amount. Our quote engine and specialists find the best fit—standard or high-limit DI.
Business Overhead & Loan Protection
Ensure businesses can cover overhead expenses or repay loans if an owner becomes disabled. We compare top carriers and structure the right policy for each business client.
Disability Buy-Sell & Key Person
Fund buy-sell agreements and protect business profits by insuring key employees or owners. Our team helps design, underwrite, and implement these advanced plans—so every risk is covered.
GSI (Guaranteed Standard Issue)
GSI programs make disability coverage accessible without medical exams or underwriting. These plans allow eligible professionals to secure meaningful income protection through employer or association-based opportunities.
How Disability Insurance Works—And How DBS Supports You
01.
Identify the Need
Start the conversation with statistics—about 1 in 4 workers will face a long-term disability before retirement.
02.
Personal vs. Business Solutions
For individuals, offer income protection; for business owners, discuss overhead expense, buy-sell, and key person DI.
03.
Quote and Compare
Use DBS’s quote engine for instant comparisons, or request a custom proposal for more complex business cases.
04.
Case Design & Application
Our team reviews occupation class, benefit structures, and policy riders—plus helps with paperwork, applications, and underwriter negotiations.
05.
Training and Sales Tools
Access guides, benefit calculators, occupation cheat-sheets, and even DI plan audits to spot gaps and opportunities.
Your Disability Insurance Questions, Answered
Why is disability insurance so important for clients?
A long-term disability is statistically more likely than early death, and losing income can disrupt lives. DI protects clients’ paychecks, businesses, and financial goals.
Can DBS help with both personal and business DI cases?
Absolutely. We support agents with solutions for individuals (income replacement), professionals (high-limit DI), and businesses (overhead, buy-sell, key person).
Which carriers do you work with for DI?
DBS partners with leading DI providers such as Principal, Ameritas, The Standard, and more—offering strong underwriting, unique programs, and competitive rates.
Is DI difficult to sell or explain to clients?
With DBS, it doesn’t have to be. We provide client-facing materials, sales training, and personal guidance so you can add DI to your offerings with confidence.
Are audits or plan reviews available?
Yes—request a group or individual DI plan audit. We’ll help spot coverage gaps and create new sales opportunities.
Become the Advisor Who Covers All the Gaps—Start With DI
Diversified Brokerage Specialists gives you the products, tools, and expertise to protect clients’ incomes and businesses—making you their go-to advisor for all life’s risks.