Have you heard this riddle? What is invisible yet comes with a sizable price tag, may never be used but cannot be returned? Insurance! It’s not uncommon for a client, especially one who is young and healthy, to question paying premium for coverage that might never be...
Are you marketing disability insurance to your female clients? Maybe you should. Women may represent the perfect disability client. Here’s why: Growing percentage of professionals Two important professionals for disability insurance, dentists and physicians, will soon...
Think of three possible events that would most negatively impact someone’s financial security. They might likely be: Death of an income provider The inability to earn a living, even temporarily, due to an illness or injury Facing long-term care expenses without...
You’re interested in selling disability insurance. Why wouldn’t you be? It’s an important product that can significantly benefit your clients, who have a greater chance of becoming disabled and losing their paychecks than they may like to think. It’s also a great way...
Did you know? Amateur athletes with promising professional careers should be protected with specialized disability insurance products. A basic disability policy is insufficient to protect the potential of professional sports income. Specialty disability products with...
These days, it’s not uncommon for a wife to make more money than her husband. In fact, according to Pew Research Center, in the United States there are 5.1 million married mothers earn more than their husbands. Another 8.6 million women are single mothers, and...
If you’ve ever been fishing, you know that reeling in a big fish takes a lot of patience and perseverance. There’s more to it than that, though. You also need the perfect bait. Making a disability insurance sale is pretty similar in some respects. Being patient and...
Much has been written about Baby Boomers’ legitimate fears of retirement woes, spiraling health care costs and insufficient savings. It turns out that millennials, an even larger demographic, are equally concerned about their financial futures. The two financial...
More and more consumers are concerned about planning for long-term care, often due to a personal experience with a loved one who needed care. Ask these five questions to get started and you’ll have a good idea of how to structure the policy. 1. How long can you afford...
Want to close more sales? Start by identifying clients who are more likely to make an income protection purchase. For example, it’s doubtful that someone struggling to make a car payment will find room in the budget for an additional insurance product. So, if that’s...
