As a financial professional, you know your clients should have paycheck protection. You understand that the risk of disability is high and that most people are financially unprepared to sustain their lifestyles if they are unable to work. You don’t want to leave your...
The difference between a daily and monthly long-term care benefits may seem obvious, but how it affects the client’s wallet may not be as clear. A daily benefit pays up to the maximum benefit amount each day for covered services. A monthly benefit pays up to the...
You know disability insurance protection is worth the cost of the premium. The trick is convincing your prospects. Persuasion is an important part of your insurance marketing job—so what’s the best way to convince someone to say yes? What does science tell us about...
According to Fidelity, by retirement age, savings and retirement accounts should be 10 to 12 times the annual salary at retirement. Having a yardstick to evaluate progress is helpful and can be reassuring for the serious saver. Sometimes, though, life interferes with...
According to Ben Franklin, nothing in this world is certain but death and taxes. But if a small business owner suffers a disability from an injury or illness, there are a few other certainties he or she can count on: Regular living expenses will continue to occur...
This past weekend was the 89th Academy Awards ceremony, which honored the best films of 2016. There was great excitement as usual. The normal red carpet buzz and flair. And the winner for Best Picture is… Oops! Yes, it is true. Unfortunately,...
Why should you specialize in disability insurance for dentists? Because dentists are highly compensated and need more income protection than most! In 2016, dentists earned an average salary of $173,860. Dental hygienists also offer a nice client base with an average...
When plaque lodges in the coronary artery, a traffic jam results – backing up the blood supply and leaving the heart devoid of nourishment. This is the sad sequence of events otherwise known as a heart attack. Fortunately, it doesn’t have to be fatal. Those who get...
Our article from last month, Guaranteed Standard Issue Disability Insurance: Good for your Practice makes the case to give some attention to multi-life GSI opportunities. This time around we’ll look at three strategies to identify prospects and make the sale. Target...
Don’t let the cost of long-term care insurance dissuade you from talking to clients about this essential coverage. The two greatest financial fears of retirees are 1) being unprepared for health care costs in retirement and 2) outliving retirement income. Long-term...
