keyboard with key marked Opt and other marked Out There is agreement in our industry that the term “disability” prompts an “It won’t happen to me” response, causing many to eschew coverage. (Photo: Shutterstock)

COVID-19 deaths were a shocking and frightening aspect of the pandemic, and an increase in the purchase of life insurance—LIMRA reported a jump in the second quarter of 2020 as compared to the same period the year before—underscored that it caused many to take a realistic look at care for their loved ones in the event of the unthinkable.

The even larger numbers, by comparison, are those individuals who were infected with COVID-19 and became unable to work. This pervasiveness led to an increased awareness of the necessity of income protection due to temporary or long-term disability. That awareness, however, did not necessarily translate to enrollment.

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