Anyone familiar with disability insurance knows that it can be a headache to underwrite a case. Disability insurers underwrite their applicants with great care and deliberation - and for good reason, since many illnesses and injuries can lead to a claim. In my experience, many agents and brokers avoid selling disability insurance simply because they've had poor DI underwriting experiences. After such a bad experience, the producer must deal with their client's frustration, and some producers just decide it's not worth it.
However, there is a program that sidesteps the headaches of a fully underwritten case, and which may help bring DI back to many producers' stable of regularly sold insurance products and services: simplified underwriting. This is designed for clients with smaller, well-defined financial needs. There is minimal underwriting, no required financial documentation, and no paramedical exam.