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...
Do remember your first paycheck? It’s a big milestone in a person’s life, providing not only money but also independence. A paycheck gives us the means to survive as well as the ability to pursue the lifestyle and the future we envision for ourselves. Once we start...
Sometimes, a little effort goes a long way. Take the Future Purchase Option Rider. A common clause found in many disability insurance policies, this rider makes it easy for clients to purchase additional coverage without medical testing. When they do so, you make a...
The need for disability insurance is strong. According to the Social Security Administration, today’s 20-somethings have one in four chance of becoming disabled during their working years. With odds like that, it seems like everyone should want disability insurance –...
