17 Apr 2019
Posted by Thomas Nicols 
The Business Owner Upgrade feature for Individual Disability Insurance from some of our core carriers provides an opportunity for business owner clients to increase their occupation class by up to two levels. Designed to classify business owner clients in a fair, precise and progressive manner. Eligibility...
Read more →
10 Apr 2019
Posted by Thomas Nicols 
Recently, a major disability insurance carrier ran a 20-year income projection assuming a producer wrote just one disability insurance app per week, with an average premium of $2,000 a year. The total income to the producer over that 20-year per ended up accumulating to over $6 million! Can you find...
Read more → 27 Mar 2019
Posted by Thomas Nicols 
While the chances of surviving a critical Illness such as cancer, heart attack, or stroke are greater than ever, living with a condition after diagnosis can create severe financial hardships for your clients. Traditional health insurance plans cover medical expenses such as Hospital and Doctor’s fees....
Read more → 20 Mar 2019
Posted by Thomas Nicols 
Testimonials and examples offer an excellent way to connect with clients and can be the key to Individual Disability Income (DI) Insurance sales success. Follow these tips to create rapport, overcome objections and close more sales: Perception 71% believe disabilities are most likely caused by serious...
Read more → 13 Mar 2019
Posted by Thomas Nicols 
The typical needs analysis might be overwhelming to prospects or they might not be ready to commit the total amount of premium dollars required for the plan recommendation. In an effort to show them the value that we can bring to their family, why not start with protecting their income? Disability Income...
Read more → 06 Mar 2019
Posted by CPS Insurance Services 
One of our strategic carrier providers offers a vast portfolio with Disability Income Choice at Work which opens up unique opportunities for you in the multi-life market. This portfolio of products offers flexible, affordable benefits for the underserved market. You are now able to tailor DI solutions...
Read more → 27 Feb 2019
Posted by Thomas Nicols 
When most producers and their clients think about Buy-Sell Planning for their business, they consider Life Insurance as the only vehicle needed in order to provide a source of funding for the buy-out of an owner. It’s true that Life Insurance will provide for sufficient funding of a business continuation...
Read more → 20 Feb 2019
Posted by Thomas Nicols 
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...
Read more → 13 Feb 2019
Posted by Thomas Nicols 
Ever presented disability income insurance to a client, and found that with one look at the price-tag they are reluctant to purchase? While it is true that a DI plan could be costly for some – it certainly doesn’t have to be. Avoid the “sticker shock” with your clients The general rule for the amount...
Read more → 06 Feb 2019
Posted by Thomas Nicols 
The need for an income protection plan is not just for the Executive, Doctor or Attorney earning in excess of $150,000. According to the United States Census Bureau, in September 2017 the average annual income in the United States was $51,017 from all occupations. Average everyday working people (Middle...
Read more →