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...

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...

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...

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...

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...

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...

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...

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...