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...

When is the best time to buy an income protection plan? Could it be when my client is at the top of their earning years? Or when they are just starting their career? The answer is, right now, before any health concerns arise that would preclude them from securing this valuable coverage. Before the premium...

The millennial generation (also known as Generation Y) is defined as people ages 18-35. Today they represent over 25 percent 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....

Could You Afford Your Home Without Your Income? For some people, “income protection” is a phrase that strongly resonates with their everyday lives. Consider This 71% of American employees live paycheck to paycheck. 62% of all personal bankruptcies filed in the U.S. in 2007 were due to an inability...

Employers today are constantly struggling to find new ways to attract, motivate and retain the best and brightest employees without having to pay them overly inflated wages. One way to accomplish this is by offering a competitive employee benefits package. In a recent study by one of our strategic...

Your client’s all have different dreams. They may want to travel, take up hobbies or spend more time with family. Whatever their plans, they have probably started saving considering they could spend 20 to 30 years in retirement. Even if your clients believe they are on track with retirement savings...

Advisors and planners must know that adequate Disability Insurance benefits for business owners can seldom be handled by one policy or one carrier. Adequate Disability coverage requires planning, which can be done once a person knows what resources are available. Whether the need is for $1,000 to $100,000...

There are more than 310 million people living in the US and 160 million of them earn a living in the workforce. Of those 160 million, 120 million do not have any form of Income Protection Insurance other than Social Security. Odds are that your next phone call or meeting will be with someone who needs...

When an individual is invited to become a partner in a professional practice or business, there is usually a period of time that involves the Buy-In. During this period the deal is riding on the fact that the individual becoming a partner has the finances to buy into the company. A disability could...