Many Americans are living without ample savings – and a lot are living paycheck to paycheck.  When these families are struck with an unexpected illness such as a heart attack, stroke, or cancer, it can cause a serious financial hardship… even if they have health insurance. The average annual...

Federal Employees receive income protection through their work, but most don’t have any idea what their long term disability plan would actually pay if they got sick or hurt.  After reviewing the facts about what benefits are actually paid out, there could potentially be a big challenge for most of these...

While the chances of surviving a critical illness such as cancer, heart attack, or stroke are greater than ever, living with the condition can create a severe financial hardship for many of our clients. Traditional health insurance plans cover medical expenses such as Hospital, Physician and Pharmacy....

Over the past couple years you may have noticed we changed the language around Income Protection slightly.  Reason being, in an industry sense it's Disability Income Insurance - but in a practical sense, Income Protection is for clients who want affordable, simple protection that can help cover bills...

Many firms are finding it harder to obtain, retain, and reward select key employees and executives. Using a little known technique, employers can use special benefit options to give “select employees” Disability Income protection in the form of company paid tax deductible benefits. I have found...

We have partnered with the nation’s Top Carriers to provide your clients with Employee Assistance Programs (EAP) that best suit their demographics and needs. How it works: EAP is added to group plans like a rider An add on to group life or LTD Available to groups of 10+ employees Free...

Let’s suppose you are the primary provider for your family, which depends completely on your income to support all of its household needs. Consider this: Recently, you’ve been hunting for a better job and now there are two offers on the table: Your first offer comes from an employer who will...

When a producer asks their client to visualize a disabling event, most will imagine the same scenario: A terrible, disabling car accident that causes complete paralysis. They picture the rest of their lives spent in a hospital with lots of breathing apparatuses, tubes, and medical professionals providing...

Key Person Replacement Insurance is necessary to business owners who want to maintain the strength of their company if a key employee were to become totally disabled. If an employer takes out a Key Person Replacement Policy and the insured key employee meets the definition of total disability, the owner...

Do your clients have clear visions of their future? While many may have a vague sense of what they want, things to accomplish, or relationships they hope to develop, very few can actually articulate what they think their life will look like five or more years down the road. As an advisor, it’s...