Could you survive on 60% of your income? What about 35%? Probably not – and neither could your clients. Most Americans are living on tight budgets. Unfortunately, if someone who depends on group long-term disability insurance experiences an illness or injury, there...
Many Americans rely on Social Security disability benefits – but if you think you’ll be able to depend on Social Security if you’re ever unable to work, you might need to think again. The program has strict rules, and many people don’t qualify. Here’s why workers need...
You know that disability insurance offers vital protection – but can you prove this? With the right stats, you sure can. Here are 10 ways to use statistics to power your sales and marketing processes. Post them to your social media feed. These days, a good online...
When you were a student, did you ever have a teacher call on you with a question that you couldn’t answer? It was embarrassing then, but it wasn’t half as bad as when a prospect asks you a basic question about disability insurance and you can’t answer it. Sometimes...
Here’s a conundrum. Many people live paycheck-to-paycheck. Because of this, they depend on their paycheck and need to protect it – but they also don’t have a lot of money to spare on paycheck protection. It’s the paycheck-to-paycheck paradox, and it can be a real...
An injury or illness can have major financial consequences. CNBC says about one-third of working Americans have medical debt, and more than half of them have defaulted on it. Given the high cost of care, that’s not surprising. According to Debt.org, the average daily...
It’s often said that acquiring a new customer costs five times more than retaining a current customer. You know from experience how much hard work goes into finding new prospects, many of whom never pan out. Although retaining clients also takes work, it’s...
Your clients count on you for solid financial advice. If you don’t provide it, your clients may experience avoidable losses – and you could be sued. With new fiduciary standards going into effect on June 30, meeting your ethical and legal responsibility to help your...
Even the most disciplined person can be guilty of procrastination now and then. It’s human nature, especially when it comes to necessary but boring or unpleasant tasks. And let’s face it – although disability insurance offers important coverage for anyone who depends...
Logically, you know there’s not a significant difference between paying $99.99 for something and paying $100 for it – but the former just feels like better deal. Stores use the 99-cent trick to get people to buy, and even though we’re all aware of the tactic, it still...
