Disability cover questions: what an advisor who arranges it states

Why the insurance work gets a page of its own

A line such as "we also help with insurance" on a planning firm's services page answers none of the questions a client brings to this cover. Those questions are about the firm: whether it may arrange the cover where the client lives, with which insurers, on what terms, and what happens at the first meeting. A page of its own, an answer page for the cover, is where those answers go.

This article is about what the firm states about itself. It describes no product, no policy term and no rule, and it offers no view on what cover anyone should have. Whatever a client needs to know about a policy is in the insurer's wording, which the firm goes through with them. The page's job is narrower: who at the firm arranges the cover, under which license, with which insurers, for what pay, and how the first review runs.

Four facts at the top of the page

The template below is the opening of the page, written as a panel a client can read in a few seconds and an answer can quote a line at a time. Every bracket is one of the firm's own facts, and a line that is not true for the firm comes out.

Disability and income protection cover at [firm name]

Licensed to arrange:   [the line of insurance, worded as the licensing authority words it]
                       Held by [the firm | name], [authority], [jurisdiction], no. [number]
                       Public lookup: [link to the authority's lookup]
Insurers we work with: [names, where the firm chooses to give them]
                       or: [number] insurers | one insurer, [name]
How we are paid:       [commission from the insurer | a fee from you of [fee] | both]
                       [how the two relate, where the firm receives both]
First review:          [length], [in person | by video], with [name or role]
What to bring:         [the documents, listed below]
Checked by [role] on [YYYY-MM-DD]

Write the line of insurance exactly as the license names it, not a friendlier version. Clients type other words, so let the heading carry the client's words and the panel carry the authority's: a client searching for income protection and a reader checking the license against the lookup each find their own term on the same page. If the license belongs to one advisor rather than the firm, the panel says whose it is.

Naming insurers is a choice, and one to make with the compliance officer. A firm that names them gives every insurer it places this cover with and keeps the list current; a firm that does not gives the number; a firm tied to one insurer says so in the same line. Pay is stated for this work on its own, apart from how the firm is paid for planning, in the firm's own terms. Where a particular form of words is required for commission, the compliance officer supplies it and the page carries it beside the fact. Stating how an advisory firm is paid covers the rest of the pay page.

What a first review covers, and what the client brings

The first review is the step a client can picture before calling, so describe it in the order it happens, with the firm's own details in the brackets.

1. Before the meeting: [who at the firm] sends [what], and asks the client to gather the documents listed below.
2. The meeting: [length], [in person or by video], with [name], who holds the license stated in the panel.
3. What is read together: the cover the client already has, through an employer or their own, and what they want cover to do for them.
4. What the firm does next: [the steps], and how long they take, [time].
5. The decision: the client decides whether to apply, and the insurer decides whether to offer cover and on what terms.
6. Afterward: [what the firm does when circumstances change or cover comes up for review], and the number to call.

The list of what to bring belongs on the page too, in the firm's own words:

• Any current policy or plan documents, whoever arranged them.
• Details of cover through an employer or a professional association, if there is any.
• [Other documents the firm asks for, named as the firm names them].

Keep both lists in the page's HTML rather than in a PDF sent after booking. In our audit of 9,483 small business websites (40 trades, 90 metros in the US, Canada, Europe and the UAE, late August to early September 2026), 2.1% kept real content, a price list or a service menu, in a PDF, and 61.5% had no question-and-answer content of any kind. Both figures cover all 40 trades; we publish no advisor-only cut.

Client questions get the firm's process, not a recommendation

People type their own situation into a question about this cover. The page can answer every one of them with the same kind of fact, what the firm does, and leave the part that depends on the client for the review. The questions below are examples written for this page, not a measured list.

Everything in the right-hand column stays off the page for a reason beyond caution. An assistant with web search on can quote what it fetched, so a sentence about how much cover someone needs could reach a reader whose circumstances the firm has never seen. A sentence about the review keeps its meaning wherever it is quoted, which is the citability worth having here.

One firm or two: where the insurance side lives

If the insurance work runs under the advisory firm's own name and license, the disability page is one of the firm's pages and carries the firm's name, address and number. If it runs as a separate agency with its own name and license, it is a second business, and it needs its own identity stated the same way everywhere: name, address, number and license, each matching its lookup, so that a reader can tell the two entities apart.

The same split applies to listings. Google's Business Profile guidelines give a profile each to co-located businesses that operate independently, and separate profiles to departments only where they operate as distinct entities. Which case applies follows from how the firm is set up, not from how the website is arranged.

In markup, schema.org places InsuranceAgency beneath FinancialService; we checked both on schema.org, and a separate agency can be its own InsuranceAgency node. Within one firm, the cover is a Service on the firm's node, with a plain-words serviceType and areaServed listing the jurisdictions the license covers, and the license sits on the Person who holds it as a Certification, issued by the authority and carrying its number, as the overview for financial advisors sets out. A brokerage whose whole business is insurance writes a different page, described in the overview for insurance brokers.