Rethinking the Return on Time

How modern long-term disability insurance unlocks the revenue already in your book.

Traditional paths to selling disability insurance have left many agencies behind. With constant pressure to grow, DI has often demanded a lot of time and follow-up for a small return— so it gets pushed to the side in favor of products that move faster. Assurity has more than 130 years in the disability insurance space, and we’ve seen the challenges firsthand. We paired that experience with direct feedback from agency partners to redesign the DI experience around speed, clarity, and practical flexibility — so DI can fit the way agencies actually sell today.

That’s why Assurity is introducing Long-Term Disability Insurance Income Protection+, a new solution built to improve what agencies care about most: return on time. For many agencies, a complex DI sales process leaves them spending hours on business that may not even place. Slow underwriting, APS requirements, and client drop-off after fluid exams can compound the problem, especially when the annual premium is modest compared to the time invested.

That creates incentives to only sell DI to the top earners — competitors fight over the top 2% (Surgeons/ CEOs), while another segment is wide open. The middle market — comprising 60% of the U.S. workforce earning between $50,000 and $225,000 — remains vastly underinsured, relying on insufficient Group Long-Term Disability (LTD) plans that leave them exposed to taxation and income caps.¹

They’re the segment most in need of protection, and now there’s a new path to scale these sales. When DI is more efficient, agencies can increase revenue by deepening relationships inside their existing book, not searching for more leads.

What Makes Income Protection+ Different?

New Long-Term Disability Insurance Income Protection+ was rebuilt from the ground up to meet the need for speed and flexibility. It turns the DI sales process into a smooth, streamlined process closer to selling life insurance than the disability solutions you’ve seen before. You’ll see improvements across the product, process, platform and price — all tuned to help agencies move faster and increase placement consistency.

Why This Matters for Your Agency Income

Protection+ is designed to become a scalable revenue driver by removing friction from the sale and giving you new levers on price and definitions. By making DI into a fast, transactional sale, it becomes a viable growth solution for your agency. It gives you a clear path to consistent, repeatable income protection sales.

As a longtime leader in the DI space, Assurity is focused on delivering solutions that align with how agencies do business. Income Protection+ is the newest addition to Assurity’s disability portfolio, joining a full suite of DI products including long-term, short-term, graded benefit, and business overhead expense coverage. Together, this integrated lineup gives agencies the flexibility to address a wider range of income protection needs while building more efficient revenue.

Learn More:

Visit assurity.com/SellMoreDI to find out more.

1. U.S. Bureau of Labor and Statistics, Current Population Survey, 2025

FOR PRODUCER USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. NOT AVAILABLE IN NEW YORK. Policy Form No. I H2401 and Rider Form Nos. R I2403, R I2407, and R I2409 are underwritten by Assurity Life Insurance Company, Lincoln, Nebraska.