Financial Advisor Disability Insurance Review
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Create a disability insurance review and recommendation for client.

Client details (placeholders):
- Occupation: [type]
- Income: $[annual]
- Age: [range]
- Existing coverage: [employer/individual/none]
- Existing benefit: $[monthly if any]
- Elimination period: [days if existing]
- Benefit period: [years/to age 65]
- Definition: [own-occupation/any-occupation]

DISABILITY INSURANCE REVIEW

1. WHY DISABILITY INSURANCE MATTERS
   - Odds of disability before retirement: [1 in 4 workers]
   - Average disability duration: [34 months]
   - Impact on retirement savings if income stops
   - Social Security disability: [limited and hard to qualify]

2. CURRENT COVERAGE ANALYSIS

   EMPLOYER GROUP COVERAGE
   - Monthly benefit: $[amount]
   - As % of income: [%] — should be 60-70%
   - Benefit period: [years]
   - Definition: [own vs any occupation]
   - Taxability: [taxable if employer pays premium]
   - Portability: [no — leaves with job]
   - Limitations: [pre-existing/mental health/etc]

   COVERAGE GAP
   - Income to replace: $[monthly]
   - Current coverage: $[monthly]
   - Gap: $[monthly]

3. RECOMMENDED COVERAGE

   INDIVIDUAL POLICY FEATURES
   - Benefit amount: $[monthly]
   - Elimination period: [90 days recommended]
   - Benefit period: [to age 65]
   - Definition: [own-occupation — most important]
   - Inflation protection: [COLA rider]
   - Future increase option: [add without medical]
   - Non-cancelable: [yes — important]

4. COST ESTIMATE
   - Approximate monthly premium: $[estimate]
   - As % of income: [%]
   - After-tax benefit: [tax-free if you pay premium]

5. RECOMMENDATION
   - Action: [apply for individual/supplement employer/maintain]
   - Reason: [rationale]
   - Next step: [application/quote]

Disclosure: Insurance recommendations require licensed insurance professional and full underwriting review.

Source: https://promptzyo.com/prompt/financial-advisor-disability-insurance-review