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Home / Archive by category "Disability Income"

Browsing the "Disability Income" Category

The “Third-Tier” Of Income Protection For Top Wage Earners


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 25 Jan 2023   Posted by Thomas Nicols

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...

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Generating Sales With A DI Benefit Review


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 18 Jan 2023   Posted by Thomas Nicols

Are you looking to increase your personal production and income?  One straightforward way to generate additional sales with existing clients is to offer a Disability Income Benefit Review. Many clients already have group Long-Term Disability (LTD) benefits in place, but are unaware of the potential...

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Permanent Total Disability Coverage for MLB Player


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 11 Jan 2023   Posted by Thomas Nicols

During the months of December, January, and February, we typically see the bulk of MLB athletes purchase disability coverage, so we thought it fitting to share a case study of a super star baseball player. The Outfielder / Designated Hitter was in his last year of his current contract, approaching...

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Helping Clients Understand the Complexities of Income Protection


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 04 Jan 2023   Posted by Thomas Nicols

With the current economic and health challenges in America, many individuals are justifiably concerned about ensuring they protect themselves and their families against the unexpected.  And individuals are more open than ever to exploring ways to protect their future. Advisors are uniquely positioned...

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Short-Term DI Vs. Long-Term DI


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 28 Dec 2022   Posted by Thomas Nicols

Short-term disability insurance and long-term disability insurance are both designed to provide replacement income to your clients, in the event they are unable to work due to accidents or sickness.  The most obvious difference between the policies is the amount of time they are designed to sustain...

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Sacrifice Your Daily Starbucks, Buy Income Protection


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 21 Dec 2022   Posted by CPS Insurance Services

When it comes to achieving our goals of financial security, we are our own best friends - or more likely, our own worst enemies.  It seems the average American is not setting aside enough money to achieve their financial objectives, let alone protect what they already have. While the need for income...

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4 Misconceptions Your Clients Have About Disability Insurance


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 14 Dec 2022   Posted by Thomas Nicols

Most consumers believe that accidents are the primary cause of disabilities, but research shows that over 95% of disabilities are not work related; therefore workers’ compensation cannot be used. Here are what consumers tend to believe versus the real facts: 37% have never thought about how they...

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Why Small Businesses Need Business Overhead Expense Coverage


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 07 Dec 2022   Posted by Thomas Nicols

Many small-business owners fail to understand how difficult it would be to stay operational if they were disabled and unable to run their business. The impact of a small-business owner’s disability does not just affect the business itself, but the employees as well. Protect both the business and staff...

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Affordable Income Protection For Any Budget


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 30 Nov 2022   Posted by Thomas Nicols

The need for an income protection plan is not limited to the Executive, Doctor or Attorney earning in excess of $150,000.  According to the U.S. Census Bureau the average annual income in the United States was $51,017 from all occupations.  Average everyday working people (Middle America) are just...

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A DI Scenario To Share With Your Clients


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 16 Nov 2022   Posted by Thomas Nicols

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...

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