“It won’t happen to me.” How many times has this phrase happened when you never thought something bad would happen? Sometimes, consumers like to play the percentages vs. protecting their loved ones – but you have probably noticed how that hasn’t worked well for some during the last couple of years.

AIP Marketing Alliance, an Integrity Company, continues to push the “protection” concept across all of our product lines to our valued downline independent wholesalers and agents. Our team has focused on annuities to protect against volatile economic conditions, life insurance to provide living benefits and leaving a legacy when that time comes, and even long-term care insurance products (including hybrid) as the growing costs of healthcare could impact their retirement years.

With May kicking off Disability Insurance Awareness Month (#DIAM25), our team also wants to stress how disability insurance could play a pivotal role if their income stream is impacted by a disability in the short- or long-term. The conversation starts with a simple question.

“Could you live without one of your income streams for a month, six months, or even a year?”

Although no one likes to think about it, the likelihood of a disability is more common than people realize. According to LIMRA, the Social Security Administration reports about 1 in 4 of today’s 20-year-olds will become disabled before reaching retirement age.(1) In addition, the Centers for Disease Control and Prevention notes that 27% of American adults currently live with a disability.(2) These statistics underscore a major truth: consumers should consider protecting their incomes from the impact of an unexpected disability.

LIMRA also states 67 percent of employees who choose not to enroll in disability benefits either believe the coverage is too costly or say they don’t need it. According to the LIMRA’s 2024 BEAT Study, employees opt out of employer-sponsored disability plans for the following reasons:

• They don’t believe they need the benefit;
• They don’t think the benefit is worth the cost; and
• They don’t think they can afford the benefit.

Going back to the above question, most consumers without disability insurance coverage would need to tap into personal savings (48%) or retirement funds (26%) to meet day-to-day expenses, according to LIMRA’s 2024 Insurance Barometer Study.

Your clients and prospects insure their homes and vehicles – why wouldn’t they insure their paychecks?

Disability insurance is something anyone who works and has earnings should consider. That’s because one in four people today will become disabled(3) and potentially face financial hardship at some point during his or her working life, per Life Happens.

The Life Happens website answers some common disability insurance questions including:

• Why is disability insurance important?
• Do I need disability insurance if I work?
• What are the types of disability insurance?
• How much does disability insurance cost?
• How should I manage my disability insurance policy?
• How do I receive disability insurance benefits?

AIP Marketing Alliance also supports #DIAM25 throughout May with compliance-approved social media posts and an overview video that focuses on disability insurance. You also can visit AIPMA’s website to learn more about the need for disability insurance. You also can request AIPMA’s approved DIAM resources – and even have them customized with your branding – by contacting our team below.

Need some assistance discussing disability insurance or quoting this product for a client or prospect? Contact AIPMA’s Business Development team at (800) 783-5206 Press #2 or [email protected]. Our team is here to help you and your clients protect their paychecks as well as their loved ones and retirement years.

For more than 40 years, AIP Marketing Alliance (AIPMA), an Integrity Company, serves as a premier life insurance and annuity distribution partner to provide full-service support to independent wholesalers, brokerages and agents from our Troy, Michigan office. NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR THE MEDICARE PROGRAM.

AIP Marketing Alliance is committed to STRIVE in ’25 as we support our independent insurance wholesalers and agents. Visit our blog on aipma.com to stay informed on these upcoming launches and learn why wholesalers nationwide choose AIPMA as their distributor for selling life insurance, annuities, long-term care insurance, final expense, and much more. Ask about our lead services, myAIP CRM platform with customizable recruiter portal, and online tools/resources designed to grow your business. The difference is personal.

AIP Marketing Alliance, an Integrity Company, has developed this electronic communication for informational and educational use only. Be advised, AIP Marketing Alliance, Inc. does not provide legal advice, tax advice, or guidance on issues involving securities laws, insurance laws nor securities or insurance regulations. This material should not be relied on as providing any such advice or guidance to either agents or retail consumers. Within this communication, AIPMA shares links for usage as information only. This content should not be interpreted as solicitation to purchase life insurance, annuities, or other products or as advice designed to meet your clients’ specific needs. Content involving fiduciary, tax, or legal advice should be directed to your legal, tax, and financial professionals for specific advice or product recommendations. AIPMA will not accept any legal liability resulting from any use of 3rd party material(s).

(1)Social Security disability insurance is coverage that workers earn, Social Security Administration, 2022.

(2)Disability Impacts All of Us, Centers for Disease Control and Prevention, 2023.

(3)Social Security Administration, Social Security Basic Facts, 2024