Today's Practice: Changing the Business of Medicine TP2018Q2DigitalEditionWeb | Page 75

Cover Your Abilities
John F. Nichols MSM, CLU
Long-term disability insurance can be one of the single
most important decisions you can make, or not. The
consequences of your decision may have a profound
effect on your life. Long-term disability insurance, often
referred to as income protection, works hard when you
can’t.
If you are properly insured, you and your family can
continue living comfortably in the face of a temporary
or permanent disability.
“Long-term disability insurance
coverage is important for many
occupations, but for physicians,
it’s particularly critical. ”
meet the author:
John F. Nichols MSM, CLU
President
Disability Resource Group
John Nichols joined the National Association of Insurance &
Financial Advisors in 1985 and was elected NAIFA Secretary in
2011. He is the 124th National President for the year 2013-2014.
Previously, he has served as an Executive board member and
Board Trustee from 2007- 2011. In 2007, NAIFA Chicago Region
recognized John with their Leadership in Life Award.
He is a frequent speaker at an array of national meetings, includ-
ing MDRT Main Platform 2012, a session speaker in 2004 and
2010, NAIFA National, and over 500 state and local NAIFA
programs. He is in the top 20 of lifetime contributors for NAIFA's
IFAPAC.
He obtained his CLU designation in 2003 and graduated with his
Masters in Science Management with an emphasis in Leadership
in 2011 from The American College. John is a member of the
President's Circle contributor level at the American College.
As a life and qualifying MDRT member, John has two Court of the
Table and eight Top of the Table qualifications. Additionally, he is
an Excalibur knight level contributor and Legion of Honor member
to the MDRT Foundation
In 1993, John had a near-death experience from a water skiing
accident that left him paralyzed from the neck down to his toes.
Through six years of rehabilitation, he reached a level of recovery
that less than 1 percent of all spinal cord injury patients attain.
John, who in 2010 and 2012 was LIFE's industry spokesperson
for Disability Insurance Awareness Month, has chronicled his
story in his first book for the financial advisor world, Income
Protection, The Conversation. His second book released in 2014
entitled, Passion, Purpose, Protection, The Ability of Disability
Insurance is to help the consumer understand the value of
protecting their ability to earn an income.
In 2012, John received the Richard M. Daley and Maggie Daley
"Golden Shoe" Award for being the #1 Bank of America Chicago
Marathon fundraisers for non-for-profits.
John spends time in Chicago, IL and Lyons, CO and loves to
travel, hike and train for marathons.
John F. Nichols, MSM, CLU is a nationally recognized disability
benefits consultant, the creator of disability products and
administration systems and an expert witness in disability
proceedings. Nichols serves as president of Disability Resource
Group, Inc., a national insurance agency that he founded in
1999.
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