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...
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...
