July 16th, 2018

Add IDI to your
sales vocabulary


IDI is the foundation for
everything in your clients’ lives

One of the most important conversations you can have with clients is about individual disability insurance (IDI). It helps protect their income - even their business - if they become too sick or hurt to work.

IDI meets many needs

Principal® offers one of the most comprehensive suites of IDI solutions for:


  • Individual Disability Income - Provides a monthly benefit to help pay expenses.
  • DI Retirement Security - Helps clients continue to save for retirement.

Business owners:

  • Overhead Expense - Reimburses an owner for business expenses during a disability.
  • Business Loan Protection rider - Covers loans for business-related expenses.
  • Key Person Replacement - Provides benefits to a business if a key employee becomes disabled.
  • Disability Buy-Out - Funds a buy-sell agreement to buy out a disabled owner.


  • Employers can offer income protection to employees - employer- or employee-paid.

Learn More about IDI

True Own Occupation Definition in a Disability Insurance Policy:
Is it Worth the Cost?
(Part 2: Physicians and Dentists)
True Own OCC  

The short answer for physicians and dentists is a qualified yes, in contrast to my short answer in Part I of this blog which was usually not.


Connect With Your Sales Rep:

[sales_rep_name,fallback=Eskra & Associates]
Regional Sales Partner

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100 Miracle Mile, Suite 250
Coral Gables, FL 33134
Phone: 305-448-0100
Toll Free: 800-790-2019
Fax: 305-448-2022
Email: info@dibrokereast.com