Why May Matters:  May is Disability Insurance Awareness Month — a timely reminder that protecting your clients' income is just as important as growing it. In this issue, we're highlighting tools, sales ideas, and market insights across all lines to support your client conversations and drive new opportunities.

Disability Insurance Awareness Month 

Your Clients’ Most Valuable Asset: Their Income 

Help clients see the value of protecting their paychecks. 

Why DI: Your clients insure their homes, cars, and lives — but what about their income? Disability insurance is one of the most overlooked yet essential parts of a sound financial plan. For most working clients, their ability to earn an income is their most valuable asset..

Sales Idea: Position DI as income protection, not just insurance. Great for business owners, professionals, and young families.  Help clients understand how much coverage they really need with this quick and easy tool.

 Get the Guide & Case Study

Offering DI not only protects your clients’ financial futures — it also sets you apart as a trusted, holistic advisor. It’s a conversation worth having.

Ask Us: Want help running a quote or planning a campaign? We’re here. 

Excellus: Our Region's Premier Medicare Advantage Option

Discover why Excellus Blue Cross Blue Shield is a top choice for Medicare Advantage in our region.

Don’t miss our upcoming webinar with Darcie Coleman, Excellus Account Executive, where she’ll share how Excellus’ unique plan designs and added benefits — including dental and fitness — help members live healthier, fuller lives. 

Wednesday May 21st

11 a.m. Eastern

Via Zoom

Tools You Can Use: SunFire Matrix, instant quote links, and drug plan checkers — all in one place at kafl.com/Medicare. 

Mid-Year Momentum: What Clients Need Now 

• Planning Opportunities: Revisit disability, life, and critical illness benefits with employer groups.
• Voluntary Benefits: Carriers are expanding their menus with employee-friendly options.
• Group DI Focus: Position long-term disability as an essential retention tool.
  

Stay Connected 

Want to talk through a case, explore a new market, or get help with a quote?

Reach out to your KAFL rep or email us at marketing@kafl.com. 

Let’s keep building your business together. 

The Social Security Administration reports 1 in 4 of today’s 20-year-olds will become disabled before reaching retirement age. Not to mention the 27% of American adults currently living with a disability, the need for DI insurance is evident. With May being Disability Insurance Awareness Month, below is what your clients can expect from underwriting when submitting a DI application:

• Financial Underwriting to determine the monthly benefit amount and premium affordability. Proof of income, such as paystubs or tax returns, are typically required.
• Occupation Review to assess risk. Some occupations come with higher chances of injury than others, so the underwriter will look at work history, job responsibilities, and overall occupation claim history to assign an occupational class.
• Medical Underwriting to determine the likelihood of becoming seriously ill or injured and needing to file a disability claim as a result. Underwriting will review age, gender, health and lifestyle habits, hobbies, and overall medical history, in addition to age/amount requirements such as exams, labs, or APS.

It’s important to note that DI and Life underwriting differ, in that DI Underwriters consider morbidity factors (likelihood of becoming disabled); whereas Life Underwriters assess mortality (likelihood of dying). Certain conditions insurable from a mortality standpoint may not be insurable for DI and vice versa.

Your team at KAFL is happy to assist you with prescreening your clients for DI coverage. Please reach out to your Sales Partner, Case Manager, or email newbusiness@kafl.com to learn more.

KAFL Spotlight

We’re excited to celebrate Jeni Biberstein for completing the NAILBA Case Management Certification Course!

This certification highlights Jeni’s expertise and continued commitment to providing exceptional support to our advisors and carrier partners. Her hard work and professionalism elevate the standard of service we deliver every day.

 Our whole New Business team is certified now!!!

KAFL at AIMCOR’s 2025 AIM HIGHER Conference

Members of the KAFL team were proud to attend AIMCOR’s 2025 AIM HIGHER Conference, joining top industry leaders and peers from across the country. This annual event is a powerful opportunity to collaborate and bring back forward-thinking strategies that benefit our advisors, partners, and clients.

We’re excited about the innovation and momentum coming out of this year’s conference — and we’re energized to keep aiming higher together.

Women’s Leadership Council

Last week, Lorrie Gibbons had the opportunity to connect with the Women’s Leadership Council (DWLC) at AmeriLife. 

Now in its third year, the DWLC is dedicated to recruiting, retaining, empowering, and advancing women within AmeriLife’s Distribution business.

Through mentorship, networking, and sharing best practices, the Council plays a key role in supporting leadership growth and driving business success across the organization.

Did you know?

We’ve made it even easier to get the illustrations and support you need — fast.

On our newly updated Quote Request page, you can:

• Submit requests for Life, DI, LTC, and Annuity quotes
• Run your own Term and Universal Life quotes instantly
• Access tools and resources tailored to your business

Whether you're on the go or planning a case, it's your go-to hub for fast, accurate quoting.

Check Out the New Quote Page