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:

Step 1: 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)


Step 2: Pre-Qualification Form

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

Disability Pre-Qualification Form

Step 3: OCI will shop the market, design the case and help you with positioning it with the client.

Additional Resources

Questions? Please contact your OCI Representative today!

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