The need for an income protection plan is not limited to the Executive, Doctor or Attorney earning in excess of $150,000.  According to the U.S. Census Bureau the average annual income in the United States was $51,017 from all occupations.  Average everyday working people (Middle America) are just...

The millennial generation (also known as Generation Y) is defined as people ages 18-35.  Today they represent over 25% of the US population. Many of them entered the workforce during a time of economic uncertainty and are more risk averse and mindful of their money than previous generations.  They...

We'd like to share a unique and fun case study of a professional sailing team which highlights some of the unusual protection we can help you provide to your clients. Client: Owner of an international professional sailing team, racing in the America’s Cup. Situation: The racing team, consisting...

Selling Disability Insurance (DI) is a delicate process. You know your clients need the protection, but the 'hard sell' angle can be too aggressive.  Today, we are working in an environment where a subtle approach has proven much more effective when opening the conversation about Disability Insurance. Instead...

Business Overhead Expense (BOE) Disability Insurance is a cornerstone of a well-managed corporate financial plan.  The coverage financially indemnifies the regular monthly overhead of a company in case of the partial or total disablement of the business owner. BOE coverage allows a business to stay...

Did you know that 82% of business owners are not covered under the same Workers Compensation policies they are required to pay and carry for their employees? Health insurance would take care of their medical expenses in the case of an injury or illness, but how would they recover lost income? Could...

“I have coverage through my work.” While this may be a common objection to purchasing Income Protection, many people wouldn’t know the amount of time they have to wait before their benefits kick in. In addition, many would also have trouble keeping up with their living expenses during the elimination...

Most consumers believe that accidents are the primary cause of disabilities, but research shows that over 95% of disabilities are not work related; therefore workers’ compensation cannot be used. Here are what consumers tend to believe versus the real facts: 37% have never thought about how they...

The Simplified Underwriting Program makes it quick and easy for advisors to get Disability Income cases issued more effectively - fewer underwriting requirements will expedite your case. No exam, no blood, no specimen, and no tax returns required* - after the basic application has been submitted, your...