Good news for advisers selling disability income insurance: Sales of traditional and voluntary DI are headed upward. But even more exciting is the undercurrent of optimism and excitement among major insurers and disability management experts about the future of disability benefit programs.

Persistent economic doldrums and workforce downsizing are prompting employers to look at benefits and productivity management in new ways. This is opening the door for solutions-minded broker-advisers to showcase disability in an entirely new light.

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