Although most modern businesses seek ways to treat their employees equally and offer a good work environment for all, the value added to the business by each person can differ. Often there are a few employees with highly specialized skills that are strongly connected...
You’ve probably noticed that inflation is high right now. Prices for nearly everything are soaring, and wages are rising, too, but there’s at least one exception to this trend. Disability insurance prices haven’t increased. Here’s why this is resulting an...
With May being Disability Insurance Awareness Month, there’s no better time to educate business owners and their employees about the advantages of disability insurance, especially the multi-life discounts available with at least three insured persons. According to the...
When a prospect turns down disability insurance coverage, do you have them sign a waiver of liability? If not, you might want to start. A waiver can be a powerful tool that leverages insurance sales psychology to make prospects reconsider their coverage decision. It...
You have to spend money to make money, and if you don’t have enough money to spend, you might have to borrow money. Many business owners take out bank loans. If those business owners then experience an illness or injury that prevents them from working, they might not...
Business relationships don’t have to flow one way and one way only. When you give someone your business, it can be natural to request their business in return. It’s called reciprocity, and it can be a powerful disability insurance sales tool. Wait – Isn’t That a...
Do you want to sell disability insurance to doctors? Don't wait too long. One of the best times to target disability insurance candidates is when they're still in a graduate medical education program. Here's why you should be thinking about selling disability...
A disability can be disastrous for a small business. If the business owner can no longer work, the business may not be able to generate revenue. Meanwhile, the overhead expenses keep piling up. If it goes on long enough, the business might go under. Business overhead...
People are earning more. Their paycheck protection might not be keeping up. Group long-term disability benefits often include monthly caps that severely limit the amount of protection available to high-income earners. As inflation and wages increase, the income...
The pandemic has sparked increased interest in life insurance. For insurance agents, this is an obvious opportunity to help people get the coverage they need while earning a nice commission. The opportunity might be even bigger than you realize. Here’s what you need...
