Disability Insurance

Disability Made Simple

OCI simplifies Disability Insurance – selling disability is now streamlined and personalized. This means your clients have the ability to receive better protection with instant quotes, an online application that takes just minutes to complete, and flexible benefits.

For Client Income OVER $100,000:

Assess Your Client’s Ability to Qualify

If your client has had any of the below, they will not be able to qualify for Disability Insurance:

BMI – over 39.9 (BMI Calculator)
Bankruptcy less than 2 years ago
Criminal Charges in last 10 years
Serious Health Issues – Diabetes (with Insulin), MS, Chron’s, etc.
Drug and Alcohol abuse with treatment in last 5 years
Recent declines by another carrier for medical issues
Anxiety and Depression (not uninsurable, but likely an exclusion on the policy)

If you would like to check pre-qualification for your client, please complete this form:

Disability Pre-Qualification Form

Questions? Please email lifesales@ociservices.com.

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