Your Advantage with PGT: Simplifying Disability Income Solutions for Advisors and Clients Alike

By Plug Group Texas

The disability income insurance landscape can often feel like a maze — complex products, varying underwriting guidelines, evolving regulations, and client-specific nuances that demand tailored strategies. For many financial professionals, navigating this terrain while running a practice and serving clients can feel overwhelming. But it doesn’t have to be that way.

At Plug Group Texas (PGT), we believe that every advisor deserves a partner who can streamline the process, remove the guesswork, and act as an expert extension of their team. That’s what we do. We turn the disability income (DI) product space from a potential headache into a strategic opportunity for growth — for your practice and for your clients’ financial security.

Why Disability Income Insurance Matters More Than Ever

In today’s unpredictable world, one of the greatest threats to your clients’ financial well-being is not death — it’s the loss of income due to an illness or injury. According to the Council for Disability Awareness, one in four of today’s 20-year-olds will become disabled before they retire. The financial ripple effect of this reality can be devastating if proper coverage is not in place.

As a financial advisor or insurance producer, you likely understand the importance of income protection — but like many, you may hesitate to offer it consistently. Why? Time constraints, uncertainty about products, or the lack of a DI specialist on your team often lead to missed opportunities. That’s where PGT steps in.

We make it easy to confidently present, structure, and implement DI strategies that add real value to your clients’ financial lives — without requiring you to become a DI expert yourself.

PGT: Your Built-In Disability Income Specialist

When you work with Plug Group Texas, you don’t just gain access to disability insurance products — you gain access to seasoned DI specialists who make those products work for you. Our team brings decades of combined experience in disability income planning, underwriting navigation, and carrier relationships. We know how to position DI solutions that stick — and get approved.

From initial illustrations and product selection to client communication and policy delivery, we walk alongside you through the entire process. We act as a true back-office partner — helping you look like a DI expert in front of your clients without having to dedicate hours to research and product comparison.

Let us be your brain trust for DI planning. You maintain your relationship with the client. We help you elevate the conversation.

What You Get When You Partner with PGT

Here’s what makes Plug Group Texas an essential ally for financial professionals looking to expand or improve their disability income insurance offerings:

1. Access to Top Carriers and Tailored Solutions

We’ve built strong relationships with the industry’s most reputable disability income carriers — MassMutual, Principal, The Standard, Ameritas, Illinois Mutual, Petersen International Underwriters, and more. These partnerships give us access to exclusive products, underwriting insights, and favorable pricing structures that you won’t always get directly.

More importantly, we use these connections to tailor solutions for your clients. Every individual has a different risk profile, occupation class, and financial objective. Our job is to translate all those variables into the best-fit policy — one that protects their income while aligning with their budget and goals.

Whether your client is a surgeon seeking high-limit individual coverage or a small business owner in need of business overhead expense (BOE) protection, we’ll help you find the right fit.

2. Expert Case Design and Pre-Underwriting Guidance

We don’t just hand you a brochure and wish you luck — we collaborate with you on every case. That includes:

• Case design consultations

• Quote comparisons across multiple carriers

• Occupation-specific insights

• Income replacement modeling

• Underwriting pre-screens

Before an application ever hits a carrier’s desk, we help structure the policy in a way that minimizes delays and maximizes approval odds. We also work proactively to address any red flags — such as health conditions, lifestyle factors, or financial documentation issues — so that you’re prepared with the right supporting materials.

3. Ongoing Support from Application to Commission

Our team becomes your team. Once a client is ready to move forward, we handle the heavy lifting — from submitting applications and communicating with underwriters to tracking policy delivery and ensuring commissions are processed correctly.

Our process includes:

• Application support and submission

• Medical exam coordination (if needed)

• Case status updates

• Delivery requirements management

• Commission and licensing guidance

All of this helps you stay focused on client service and revenue-producing activity, not paperwork and follow-ups.

4. Education and Sales Coaching

We don’t just handle your cases — we help you grow your business. At PGT, we’re passionate about educating financial professionals and helping them become more confident in presenting DI solutions to their clients.

We offer:

• One-on-one coaching sessions

• Sales scripts and objection handling

• Turnkey presentation materials

• Custom marketing support

• CE-approved training sessions

Whether you’re new to disability income insurance or looking to reinvigorate your current offerings, we’re here to sharpen your skills and boost your success.

From Confusion to Confidence: What Advisors Say About PGT

One of the most consistent pieces of feedback we receive from our advisors is how much time and stress we save them. Many of our partners come to us overwhelmed by the DI process — unsure of which products to offer, how to quote them, or how to even begin the conversation with a client.

By the end of just one case, they often tell us:

“You made this so much easier than I expected.” 

“I’ve never felt more confident presenting DI to my clients.” 

“This process saved me hours — and made me look like a pro.”

That’s what we strive for — turning confusion into clarity, and hesitation into momentum.

How DI Fits into Your Client’s Broader Financial Plan

Disability income insurance isn’t just a standalone product — it’s a pillar of holistic financial planning. When you help your clients protect their income, you safeguard:

• Their ability to save for retirement

• Their mortgage and household expenses

• Their ability to pay down debt

• Their children’s education plans

• Their business continuity (if self-employed)

Simply put, income is the engine that powers every other piece of a financial plan. Without it, everything else is at risk. With the right DI coverage in place, your clients can weather life’s storms and stay on track toward their goals.

PGT Helps You Serve Every Client — at Every Life Stage

We understand that not every client fits into the same mold. That’s why we help you build disability income strategies for a wide range of client profiles:

• Young professionals just starting their careers

• High-income earners with unique replacement needs

• Entrepreneurs and business owners

• Medical professionals and specialists

• Blue-collar workers seeking affordable coverage

• Clients nearing retirement who want to lock in protection

No matter who walks through your door, we’ll help you craft a solution that fits their life, their risk, and their budget.

Let’s Build Something Together

Plug Group Texas is more than a brokerage resource — we’re a true partner in your success. We don’t just want to process your next case. We want to help you grow your practice, strengthen client relationships, and become a go-to expert in your community for disability income protection.

You don’t have to do it alone. And you don’t have to master every policy detail. That’s what we’re here for.

Let us be your knowledge base, your strategist, and your support team — so you can focus on what you do best: serving clients, building trust, and delivering peace of mind.

Ready to Elevate Your Disability Income Offerings?

If you’re ready to add disability income insurance to your portfolio — or improve the way you’re offering it — contact Plug

Group Texas today. We’re here to help you:

• Identify the right DI opportunities

• Quote the best policies for your clients

• Streamline the underwriting and application process

• Deliver solutions that change lives

Together, we’ll turn disability income insurance from a “nice-to-have” into a powerful value driver in your practice.

Reach out today to see how PGT can be the partner you’ve been looking for.

www.thepgtsolution.com