A lot of people don’t plan for long-term care. Maybe they think they don’t need it – even though, according to the U.S. Department of Health and Human Services, 65-year-olds have a 70 percent chance of needing long-term care at some point. Maybe they think Medicare...
Anyone who DEPENDS ON A PAYCHECK can potentially benefit from disability insurance. Those words “depends on a paycheck” are key. Some people get a paycheck but don’t depend on it because they are independently wealthy or they have passive income streams, such as...
To grow your business, you need new leads. For lead generation, few insurance marketing strategies can beat word-of-mouth advertising. So, the question becomes: how can you get leads while making use of word-of-mouth of mouth advertising? And the answer is simple: by...
It’s no secret that parents occasionally have to miss work to take care of a sick child. But what if the sickness doesn’t end in a day or two? What if a worker needs to take off a substantial amount of time to care for an ailing family member? It’s a common problem...
Millennials aren’t as young as you think. In fact, many haven’t been teenagers for a while now. According to the definition used by Pew Research Center, Millennials were born between 1981 and 1996. This makes the youngest Millennials around 22 years old, while the...
Are you losing sales because people are worried about having too much of a good thing? Disability insurance is a good thing. There should be no doubt about that. Many people will experience an injury or illness during their working years, and without the safety net...
One illness or injury is often all it takes for a family to lose their home. If a breadwinner can’t work, the mortgage can’t be paid, and foreclosure is a likely result – unless the homeowner has individual disability insurance. Homeowners are vulnerable. Real estate...
Some health care practitioners are being denied insurance coverage, and it appears to be a side effect of the opioid epidemic. The problem isn’t that these applicants are addicts. It’s that they carry naloxone, a prescription medicine used to reverse overdoses. The...
You aspire to insurance sales greatness. There’s just one catch: Greatness is one of those things that can be hard to define. You know it when you see, but that doesn’t help much when you’re looking for concrete ways to improve. To pin down exactly what being a great...
Male or female? It’s a common question on any insurance application, but for some people, the answer isn’t so straightforward. If you’re helping a transgender client obtain disability insurance, it’s important to know how insurance underwriters approach the issue. A...
