Modern day Disability insurers are forever fearful of accidentally over-insuring their clients.  This is particularly true when dealing with highly compensated clients. In the past, the income replacement percentage was often subjectively determined by a particular carrier’s underwriter. As of late,...

Do you have clients who've maxed out their Disability Insurance coverage and could possibly be leaving their retirement unfunded if they got sick or hurt? Try DI Retirement Security (DIRS).  It provides coverage for individuals to help them continue to make retirement contributions if they become...

The average business owner is not prepared to have a spouse or relative step into the business in the event that they were unable to work.  In most cases, any business owner would prefer passing responsibilities to someone who already understands the business and will know how to keep it profitable. Issue...

Over the past couple years we’ve slightly modified the language around Income Protection. The word disability is somewhat alarming and often evokes thoughts of being incapacitated or laid out in a hospital bed – it’s the reason we don’t refer to Life Insurance as Death Insurance. Put in a more...

Everyone knows how hard insurance professionals work to prospect, set appointments, complete the fact-finding process, run quotes, close the deal, fill out and send in forms all just to submit a single Disability Case. The last thing you want is for an application to be held up in underwriting because...

Alarmingly, nearly 70% of business owners are not covered under the same Workers’ Comp policy they use for their employees.  If they were seriously injured on the job, what would they lean on?  Medical Insurance doesn’t cover lost income, and pulling revenue out of the corporation is dicey. An...

If a severe disability struck, the kind where it’s impossible to perform life’s most basic activities without assistance, would your clients have enough income to get by? Traditional income protection would provide approximately 60% of your client’s pre-disability earnings. However, your client’s...

Protecting one’s ability to earn an income remains among the most important financial planning goals for many individuals. Without income, many financial strategies can simply derail. Yet, many employees with employer paid LTD plans could be under-insured in the event they became too sick or injured...

A majority of employees have Disability Income coverage sponsored by their employer.  However, they are unaware of how much coverage their plan would provide if they were to be too sick or hurt to work. Many individuals live with a false sense of security regarding their Income Protection plan – believing...

Professional athletes are at higher risk of injury every time they train, practice, and compete.  It's not surprising, then, that professional athletes were among five occupations that had more than 1,000 injuries per 10,000 workers – according to the Bureau of Labor Statistics. Getting hurt is a part...