Commentary: Prepare clients for the disability underwriting process

Commentary: Prepare clients for the disability underwriting process
Financial advisers should prepare their clients for the outcomes that may result when applying for disability-income coverage, writes Kieran Mullins of MetLife. They will need to explain issues such as why an underwriter assigned a rating that leads to a higher premium or reduced benefits, and they should be ready to offer solutions if the outcome isn't ideal, Mullins writes. National Underwriter Life & Health