Executive Disability Insurance: Bridging the Coverage Gap

The Zemar Podcast

In this episode, host Butch Zemar is joined by Grayson Owen to delve into executive disability insurance (DI) topics. Grayson, a specialist in individual disability insurance, shares insights on bridging the gap in coverage for executives and business owners. With extensive experience in the insurance industry, Grayson emphasizes the importance of addressing gaps in coverage to protect individuals' income and business interests.

Key Points:

Grayson Owen's Background: Grayson shares his journey into the disability insurance space, highlighting his transition from advanced life insurance planning to focusing on employee benefits and eventually becoming a disability insurance specialist.

Executive DI Topics: The discussion focuses on the three main areas of DI planning: income protection, executive disability programs, and business succession planning risk management.

Disability Buyout Planning: Grayson explains the significance of disability buyout planning for business owners, emphasizing the need for insurance coverage to facilitate buyouts in case of disability.

Scatter Graph Analysis: Grayson introduces the scatter graph as a tool to visualize coverage gaps for executives and key employees, emphasizing the importance of identifying and addressing these gaps in disability insurance planning.

Executive Disability Broker Toolkit: Grayson discusses the development of a toolkit aimed at assisting benefits consultants in selling executive DI programs, providing resources to streamline the planning process, and educating clients effectively.

Industry Designations: Grayson highlights the value of industry certifications like the Disability Income Associate (DIA) and Disability Income Fellow (DIF) designations, which offer comprehensive training in disability insurance.
Closing Remarks:

Grayson Owen's expertise sheds light on the critical aspects of executive disability insurance planning, underscoring the importance of proactive measures to address coverage gaps and protect individuals' income and business interests. Stay tuned for future episodes diving deeper into DI topics.

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