Carriers are adding attractive new features and optional riders to disability insurance plans. A few weeks ago, in The Triple-Threat to Millennials: Solved by Disability Insurance we outlined new features that addressed issues facing Millennials. Other disability...
Everyone likes to feel like they are getting a great buy- especially on disability insurance. Are you aware of the significant cost savings that are available with discounts on disability insurance? Take a look at the cost savings available for this client by...
The six Activities of Daily Living (ADL) are: Bathing, Dressing, Toileting, Continence, Transferring, and Eating. A person who needs Substantial Assistance performing at least two of these activities for 90 days or more is considered to be eligible for long-term care...
Much has been written about how ill-prepared boomers are for retirement, facing the challenges of insufficient retirement assets, rising health care expenses, and the need for long-term care. While retirees bear the brunt of this all-too-often combination of financial...
Without long-term care insurance, an individual is in effect, self-insuring for the possibility of long-term care. Self-insuring puts retirement income is at risk, may require illiquid assets to be liquidated, and the value of equities might be compromised when sold...
There are more than 100,000 practicing dentists in the U.S and although solo practices are by far the most common, group practices are increasing at the rate of 20 percent annually. The dental industry, expected to grow by 18 percent through 2024, is one of the...
Business partners usually have a variety of talents required to make the business successful. Usually partners delineate areas of focus and responsibility. One may be the idea person, another the rainmaker, someone else may be essential to keeping the business running...
The wage gap has become a frequent topic in the national conversation. Perspectives and opinions vary about the causes, but one undeniable effect is financial insecurity in retirement. The most significant financial threat to women is the risk of living in poverty in...
Have you noticed? America’s workforce is changing. It’s getting younger, more mobile and more skilled. Are your paycheck protection sales strategies keeping pace? If you think that disability insurance is something that you should only offer to your clients who are...
How large of premium can your DI prospect afford? It can be a hard thing to judge – and much different than assessing the affordability of consumer goods. For example, car buyers typically don’t shop at a Mercedes dealership when the budget allows for a Chevy. New...
