Larry Schneider

About the Author

Larry Schneider

Larry Schneider has worked in the futures industry for 40 years. He is now a consultant on education, ethics and training matters, and teaches courses for the New York Institute of Finance in Chicago.

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  5 Biggest DI Mistakes — and How to Avoid Them

  By Larry Schneider  |  May 1, 2012

  Agents and their clients frequently make these mistakes when searching for disability coverage, but awareness of these issues will prevent them from hindering you.

• DI: When to get it and when to lose it

  By Larry Schneider  |  October 1, 2011

  What's the best time for clients to buy disability insurance? And when will they no longer need it? One expert explains.

• Breaking Down the 24-Month Cap on Mental Disabilities: Why and How?

  By Larry Schneider  |  February 4, 2011

  Why does the industry have such a cap limiting mental/nervous claims to 24 months, when all other benefits can be paid up to age 65 and beyond?

• Group vs. individual long-term disability

  By Larry Schneider  |  May 3, 2010

  Comparing the differences to determine what type of coverage is best for employees.

• Group long-term disability insurance: Beware of the deficiencies

  By Larry Schneider  |  March 24, 2010

  Is your employer really doing you a favor by providing you with group long-term disability (LTD) insurance coverage? You bet ... maybe.

• Disability insurance: Business funding needs

  By Larry Schneider  |  February 3, 2010

  Now that you have provided your client with a disability income insurance (IDI) policy, which takes care of his or her personal needs, what other policies can also be provided in the event they get disabled and as a result cannot work?

• Disability insurance: Claim denied

  By Larry Schneider  |  January 6, 2010

  It's a fact that disability income insurance (DI) claims have increased dramatically over the last several years, along with a disproportionate number of inappropriate denials.

• Your not-so-subtle DI wakeup call

  By Larry Schneider  |  November 25, 2009

  Wake up agents... this is a call to action to those that don't believe that disability income insurance is THE most important insurance your clients should have!

• Delivering a disability policy

  By Larry Schneider  |  October 21, 2009

  Delivering a policy that has been issued as applied for is normally a piece of cake, unless the applicant was not really convinced of the need at the time of the application

• Recognizing and overcoming DI underwriting "landmines"

  By Larry Schneider  |  September 16, 2009

  First off, what is a "landmine" in disability insurance (DI) underwriting? A landmine is some sort of health or other type of condition/situation, that when submitted to an underwriter, could explode in the producer's face.