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Life Health > Health Insurance

7 new cartoons for disability insurance advisors

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Comedy is often just tragedy with a punchline.

For disability insurance marketers, the process of telling the public about the concept of income protection can end up sounding like vaudeville with a sales brochure.

Agent: “You should consider insuring your ability to earn an income.”

Consumer: “Oh, I don’t need that. I’m healthy!”

Agent: “You still may have a 25 percent chance of suffering a disabling illness or injury  of three months or longer before age 65”

Consumer: “That’s OK. My employer has workers’ comp.”

Agent: “Workers’ comp just covers disability that’s work-related. Fewer than 5 percent of disabling accidents and illnesses are work-related.”

Consumer: “Well, then, Social Security Disability Insurance (SSDI) will take good care of me. Right? … Why are you groaning?”

The moral here is that educating the public about how the U.S. private disability insurance market works can take hard work, and patience. Agents and brokers have to have enough of a sense of humor to address the same misconceptions over and over again.

See also: 5 videos to boost your inner disability awareness warrior

We’ve tried to contribute to the 2016 Disability Insurance Awareness Month (DIAM), which started Sunday, by offering a collection of seven new DIAM cartoons, based on great illustrations from the past.

For a look at the cartoons, read on. (And please consider posting your own, family-friendly ideas for captions in the comments section below.)

Disability incidence awareness

1. Reality tolerance

“Talking about my work analyzing the effects of cancer and heart disease on disability claims seems to have magical powers. It made that nice young man who was chatting with me disappear.”


See also: How to overcome your prospect’s DI denial


Image: Lee Conrey 

Fear of disability underwriting

2. Underwriting

“I wonder what that disability insurance company thinks about … men who sleep with teddy bears?”

See also: 5 ways to ensure your next IDI sale breezes through underwriting

Image: Lee Conrey

Catastrophic disability risk

3. Benefits bells and whistles

“You’d like a … honeymoon benefits rider?! I’ll ask about that along with the millinery rider. And the floral supply rider …”


See also: Milliman Updates Software

Image: G. Patrick Nelson 

Disability premiums vs. frivolous spending

4. Priorities 

“My, Son, how lovely. So much nicer than you using the money to protect yourself against financial devastation …”

See also: Turkey time tradition: 4 year-end review strategies

Men talking about disability insurance

5. Conflicting motives  

“I suppose I should buy disability insurance … But then I’d lose the joy of thinking of my wife and three children living in our car.”

See also: Starting Sensitive Family Conversations about Estate Planning


6. Compliance

“Mandatory paid sick leave. Mandatory paid school meeting leave. Mandatory paid family leave … Where’s MY government-paid figure-out-all-the-leave-programs leave?!?”


See also: 3 possible traps in the new Labor joint employment guidance


Image: Lee Conrey 

Disability Insurance Awareness Month


“Those banging noises coming from upstairs? Oh, that’s Ms. Smith, from the insurance agency. Last May, she became a little too aware … 

See also: CDC reports 683 Zika cases, 1 death in Puerto Rico


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Image: Lee Conrey


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