At Disability Resource Group (DRG), our mission is to be a premier, partner-owned, multi-carrier disability brokerage agency serving our dedicated relationships through our time-tested values of client satisfaction, integrity, personal leadership, proactive communication and teamwork.
As the population grows, statistics on injuries resulting in long-term disability are also growing. So it’s no surprise that disability insurance is considered by many authorities to be the most important benefit—even more so than life insurance. Disability insurance protects an individual’s ability to earn an income. Without that protection, most personal financial plans may fail in the face of an accident or injury.
DRG is recognized as one of the preeminent wholesale resources for individual disability products. We provide unmatched expertise and superior service to Fortune 1000 financial service corporations, national and regional broker-dealers, insurance agencies and agents & brokers.
Our scope and specialization in this challenging, complex area is born of decades of personal and industry expertise. We work closely with our clients and their customers in providing disability income plans to ensure that the plan meets their needs and objectives.
In doing so, we translate our passion into success… protecting an individual's quality of life with choice and control in the event of a disabling accident or sickness.
We are one of the most experienced and knowledgeable brokerage agencies in the country that is committed solely to the disability product marketplace. Our primary goal is to serve our dedicated relationships through value-added education, plan design, underwriting, claims assistance, distribution of products, and administration in partnership with the best of class carriers. We have achieved our sterling reputation for success as a result of the passion, purpose and protection we bring to the disability marketplace.
The underwriting for disability insurance products is a unique and complex process. Therefore, the pre-screening process at DRG is the most comprehensive, which sets us apart in the industry. This will put you in a position to communicate more effectively with your client about the most appropriate carrier and policy for their personal situation.
This process may prevent you and your clients from ever having to face the unpleasant surprise of realizing that the anticipated benefits were not provided for in the original policy at the time it was issued.
Understanding the many policy options and riders available is another area where an experienced advisor is crucial. Our representatives will help you in assessing which type of policy and riders will deliver the best benefits and features for your clients.
The pre-screening process begins with an in-depth fact-finder of your client's needs and objectives, including financial, medical and lifestyle history. We may communicate with carrier underwriters to determine the best product and pricing for the client. This due diligence allows us to provide you with the most accurate proposal for your client.
Our proactive support services are there to assist you each step of the way, from quote submission, to pre-underwriting, to carrier and product selection, underwriting, policy delivery and commission payment.
Disability Insurance is a complicated field, and our representatives support you throughout the year to assist with ongoing education on a variety of subjects, including how to best utilize disability insurance within existing financial plans, business continuation plans and more. We bring you the latest data, products and resources to help you understand the disability marketplace—and other factors that can impact your ability to provide financial security products to your clients.