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...
The holiday season is here. It’s a time filled with fun, family and friends – and more than a little shopping. According to a survey conducted by Coinstar, 77 percent of holiday shoppers expected to go over budget last year. It’s clear most people are looking for...
The odds of disability. The high cost of medical bills. The average amount of savings. When talking about disability insurance, we tend to cite a lot of numbers. For good reason, too – these numbers prove how essential disability insurance is. But sometimes people...
Pop quiz: What’s the perfect age to buy paycheck protection? If you’re having trouble thinking of the answer, don’t worry. It’s a bit of a trick question. See, there really is no ideal age for paycheck protection. Whether your clients are in their 30s, 40s or 50s,...
Small business is the engine driving much of our economic growth, and small business owners believe this is a perfect time to grow even more. In fact, according to a survey of small business owners, almost one-third are planning to expand. Large capital purchases like...
This is the time of year when your employed clients are choosing benefits during their company’s open enrollment. Health insurance is always the highest priority. Understanding health insurance plans can be quite complex, yet most of us seem to navigate the system...
For many Americans, the worst part about being sick isn’t the illness itself. Yes, injuries and illnesses are bad, but the costs involved can be devastating. In some cases, medical bills and other related expenses can cause problems long after an illness or injury has...
