Selling an Income Protection Insurance policy can be challenging, especially when your clients become overwhelmed with the terminology and options available. Often times your prospects don’t know the criteria for the policy that suits their needs.  It is your job to help them find the best fit while...

Injuries and illness happen, and even when your clients have medical insurance, out-of-pocket medical bills can pile up, putting a strain on their financial security. Clients may budget to meet their annual deductible in their medical insurance plan, but many are not prepared to handle the additional...

It doesn’t matter whether it’s an athlete, an entertainer or someone just famous for being famous; if you want to raise a brand’s profile quickly, hiring a celebrity is a proven way to do so.  However, fame can sometimes turn into notoriety. The media always seeks to uncover celebrity details,...

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...

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...

Full-Time Independent 1099 contractor groups are now eligible for multi-life discounts or Affinity Business Discounts. Typically the employee must be part of an employer group, work full-time, and receive W-2 wages to qualify for a multi-life discount. Now, small groups of 3-14 employees and contractors...

The M.U.G. plan is a new innovative Disability Insurance sales concept that helps provide your clients with funds in the event they become disabled. This simple approach will help open doors to new opportunities and possibly allow you to up-sell to clients who need more coverage. The M.U.G. plan is designed...

When is the best time to buy an income protection plan?  The answer is – right now.  It should be done before any health challenges arise that preclude prospects from getting this valuable coverage, or the premium becomes too expensive due to older ages. Start the conversation with young couples,...

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...

The need for income protection in this country is clear – statistics show a common lack of personal savings amongst the majority of households.  And top earners are not immune. Although major corporations typically provide Disability Insurance (DI) through employer sponsored programs or voluntary...