In anticipation of DIAM (Disability Insurance Awareness Month) next month, we’re suggesting ways to find the hidden clients and prospects who may need disability insurance. Our last article, Disability Insurance for Self-employed Prospects, outlined the growth of this...
The employment picture in the U.S. continues to evolve and change. Thankfully, the unemployment rate is going down and the number of new jobs added by employers is on the rise. Growing five times faster than the employer workforce is the full-time independent segment....
Income protection may be the greatest insurance need of Millennials. That’s because as a group, millennials are burdened with debt, primarily from student loans. A Facebook study, “Millennials + Money: The Unfiltered Journey” indicates that for almost half, paying...
You probably already know that using social media platforms is like word-of-mouth referrals on steroids, maybe even better. However, did you know that you can use LinkedIn as a prospecting tool to arrange introductions to new prospects? Read on to learn how to use...
Wondering who should have long-term care insurance? The product is often a perfect fit for Americans with $100,000 or more of investable assets according to a recent Wells Fargo study. The study describe this target market as working affluent, American workers with...
With tax season heading down the home stretch, there is no better time to schedule an income protection assessment with your clients. We recommend advisors perform this assessment annually, in a fashion similar to the wellness physical your client receives from their...
Clients have different personalities, objectives, and goals. Their methods for making financial decisions vary and so do their communication styles. To some degree, your success depends on your ability to accurately identify a client’s financial personality; adjust...
The clouds are clearing around long-term care insurance. Sales of new policies in 2014, the most recent data available, were up for the majority of carriers. New, improved, products are in the pipeline. For many, new policy premiums are falling. If you rely on facts...
You might be tempted to think there is not a lot to know regarding pregnancy coverage for long term disability policies. The waiting periods are typically 90 days (longer than most clients are off work) and many long term DI policies have exclusions that specify they...
Three day weekends are wonderful! More time for us to spend with our family and friends, complete home projects, or maybe just have an extra day to rest. On Presidents’ Day, sometimes the aforementioned items take precedence over celebrating George...
