Many middle-class Americans who face cancer, heart disease or other serious illnesses also face tens of thousands of dollars of debt.  Even with Health Insurance coverage factored in, additional costs for specialist care, unique treatments, and high deductibles add up quickly upon a critical illness...

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 income...

Life is full of unexpected ups and downs; fortunately, insurance provides a degree of certainty during these uncertain times. The ability to work and earn a living is a valuable asset that is often overlooked. Are your clients protected against the possibility of a disability?  Have you ever asked...

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...

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....

How do you picture 2025? Who do you think will be running the workplace? How about Generation Y? According to the Bloomberg Business Summit, Millennials, or Generation Y, will make up the majority of the workforce by 2025. Do not miss out on an opportunity! Millennials' earning power will rise over...

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...

Some clients may understand the need for Disability Income insurance, but still resist purchasing because they don’t want to ‘lose’ the premium dollars if they never use the coverage. For many, the purpose of buying disability insurance is to aid in getting sleep at night – the comfort of knowing...

Your clients' most important asset is not their home, car or other possessions. It’s their income earning ability. Think about it: their plans for the future depend on their income – from buying a home to putting kids through college to saving for retirement. What if their income stopped? What...

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...