Happy Halloween! You may not believe in ghosts and goblins. Unfortunately, many also don’t believe in this real-life bogeyman: having their retirement nest egg wiped out by the all-too frightening expense of a disability or long-term care situation. An alarming number...
November is Long-term Care Awareness Month, and it’s the perfect time to talk to clients about the growing need for long-term care insurance. However, many agents are unaware of the requirements involved in selling this product. Before November rolls around, make sure...
Long-term care is a major expense that most seniors will need at some point. Unfortunately, many people don’t know how to pay for long-term care. One option available to many seniors is using an HSA to pay for long-term care or to cover long-term care insurance...
Own-occupation disability insurance is often considered the gold standard. So is a Mercedes Benz, but more of us buy a Chevy or Ford. All automobiles fulfill the essential need – transportation – but a Chevy or Ford can do it without the high sticker price. Likewise,...
When comparing disability insurance plans, you might come across the terms partial disability vs. residual disability. What’s the difference? As insurance carriers give them different definitions, it’s important to read the policy terms carefully. Different Levels of...
What’s the scariest Halloween story you’ve heard? Is it the one with the hook found stuck to the car door? Or is it the legend about summoning Bloody Mary in your bathroom mirror? Or maybe you’re terrified by the tale of a woman whose life savings was drained after...
You work hard to find good prospects, set appointments and present competitive disability insurance quotes, but you lose seemingly easy sales in the final stretch. Sound familiar? If so, you’re not alone. Sales are won or lost based on the strength or weakness of the...
A little knowledge is a powerful thing. People who don’t understand disability insurance are unlikely to spend money on coverage. By educating prospects on income protection basics, you can help them understand the importance of coverage and avoid objections later on...
Are you conducting GSI disability insurance annual updates? Guaranteed standard issue disability insurance (GSI DI) is a practical way to help a group of employees secure paycheck protection. By insuring multiple people at a company at once, everyone can all benefit...
If you’re neglecting the emotional side of decision making, you could be losing out on sales. While people often say they’re making decisions based on logic, they’re often really using facts to justify gut decisions. Most buying decisions come down to emotion, and...
