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...

In this case study, the goal was to ensure the proper amount of coverage was in place for a commodities firm whose business was rapidly expanding.  As a result of the rapid growth, the CEO's share value increased by 250% since the last buy-sell agreement.  It was determined by the board that the disability...

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...

When a producer asks their client to visualize a disabling event, most will imagine the same scenario: A terrible, disabling car accident that causes complete paralysis. They picture the rest of their lives spent in a hospital with lots of breathing apparatuses, tubes, and medical professionals providing...

The small business owner market accounts for a 44% of the United States economic production*.  Small business owners are the perfect target market for Individual Disability Income Insurance because, they are approachable, typically unprotected by Worker’s Comp, and a favorable risk to all DI carriers...

The unasked question to small business owners is, What would happen to your business if you were to get sick or hurt and couldn’t work for a lengthy period of time? Most small business owners could not get away for a long weekend, let alone several months.  Many would likely have to close the business...

You know statistics alone don’t sell Disability Income Insurance.  No matter how many scary statistics you quote, some customers can’t fathom why they may need DI.  That’s when having some real life examples your customers can relate to can turn the sale around. People love stories.  Children...

Have you ever approached a Federal Employee about their income protection plan?  The typical response from the prospect might go a little something like this.  You ask, “Is your income protected if you get sick or hurt and could no longer work?”  Prospect says, “I have disability income protection...

While the chances of surviving a critical illness such as cancer, heart attack, or stroke are greater than ever.  Living with the condition can create a severe financial hardship for many of our clients. Traditional health insurance plans cover medical expenses such as hospital stays, physician’s...

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...