If a disability happens, most people struggle to meet living expenses and they stop funding their retirement accounts.
Orion offers specialized disability products that will fund a retirement trust account on their behalf.
In the event of a disability, the financial struggle that typically occurs tends to shrinks retirement funding options, even if traditional disability insurance is in place. To make matters worse, group and individual disability policies typically terminate at age 65.
Orion can support you in guiding your client through the selection of a retirement disability insurance policy. While the client is disabled, the policy can fund up to nearly $50,000 a year into an irrevocable trust. This money is invested on the behalf of the client per their risk tolerance. The proceeds of the trust are then turned over the client at either age 65 or 67.
Ask you client the following: