Agents – Believe it or not, your business owner clients probably know more than you do when it comes to planning for contingencies. For example … What if a major order gets canceled at the last minute? What if the order is delivered but the customer goes out of...
This year is shaping up to be the best housing market in 10 years. Unemployment is low, mortgage rates are relatively low and consumer confidence is the highest it has been in 17 years. And millennials, the largest generation in history, are finally starting to buy....
As the old saying goes, “When opportunity knocks, open the door.” And one trend in the disability insurance marketplace – Guaranteed Standard Issue Individual Disability insurance – has plenty of opportunities knocking. In fact while health reform is creating a...
Remind clients why “the good life” is possible. It’s quite possible that some of your clients are very wealthy, and they have fancy things they’d like to protect. They might own big homes, vintage boats, fast cars, or even a $200,000 doghouse. That’s...
As an industry, awareness is increasing about the wide range of client needs – both the commonalities and the dissimilarities. Gender, age, ethnicity, economic background and other factors all come together to create the filter through which our clients make financial...
The Elimination Period: Calendar Days or Service Days The Elimination period is the number of days an individual is responsible for self-funding a qualified long-term care event before benefits begin to be paid. It’s similar to a deductible but measured in days either...
For millions of entrepreneurs, the dream of opening a new business or expanding an existing one would never come true without relying on a business loan. And according to the most recent study by the Small Business Administration Office of Advocacy, Small Business...
Want to achieve two, three or even four sales with just one effort? It’s easier than you might expect. Lead with a discussion about enhancing the company’s employee benefits by offering voluntary multi-life disability. It’s a low-cost / high-value solution that many...
The average age of a new individual disability insurance client is 58 years old, according to the Milliman 2016 Annual Survey of the U.S. Individual Disability Income Insurance Market. Is that older than you expected it to be? Here are four reasons people in their 50s...
Jenny is a 45-year old career veterinarian with her own practice. Her compassion for animals and their owners made her business so popular, her clinic simply couldn’t handle the load any longer. She had hired more staff and was running out of space, so finally...
