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 –...
As an insurance agent or financial planner, your target customer audiences likely to consist of three generational cohorts, Boomers, Gen X, and Millennials. While these groups share the critical need to protect income during an illness or injury, the motivations of...
Looking for a new segment for disability insurance marketing? The facts make a strong case for concentrating on the IT industry. It is one of, if not the largest, industries in the nation today. According to the latest data from the Bureau of Labor, the entire U.S....
What do we know or think we know about millennials? Several organizations from Pew Research Center to Harvard University continue to study the phenomenon of generational cohorts assigning attributes, behaviors, economic impacts, and more to each. Most recently, Pew...
Open enrollment is just around the corner. If you plan to sell voluntary disability insurance benefits, now is the time to get your foot in the door. In most companies, the HR team is pivotal helping employees understand and use their benefits. So, it stands to reason...
Like many others in their 20s, I remember not being thrilled about the chunk of income that was taken every month by insurance. It always seemed like money that was going out and would never come back in and felt especially significant at a time when my income was...
One of the main reasons that insurance producers decline to present Individual Disability Insurance to their clients is because there are a lot of intricacies that can make the product intimidating at first glance. Due to the fact that the product is rather...
