23 Sep 2022
Posted by Trina Snowney 
Football is all about strategy – an effective game plan is essential for getting your team closer to the goal line. On the field of impairment risk underwriting, its carrier vs. carrier and the final score can be unpredictable. Think of an underwriter as your quarterback – calling the right...
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22 Sep 2022
Posted by LTC Sales 
How many times have you heard clients' concerns about the cost of Long-Term Care Insurance? It is the single most common objection, but this objection can be overcome by understanding the underlying issues at work here. If your clients are like most, they do not think they will ever need LTCI, and they...
Read more → 21 Sep 2022
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 → 20 Sep 2022
Posted by Tom Virkler 
The best subtitle for this article would probably be, “New Horizons in Financial Underwriting!” But first, let’s take a short break to capture a parent-child moment in a typical American home: Father: “Son, I want you to be good at school today.” Son: “I’ll be good if you give me five...
Read more → 19 Sep 2022
Posted by CPS Insurance Services 
Few challenges demand more of a business owner than passing on the family business to the next generation. Family members’ lifelong hopes, dreams, ambitions, relationships, even personal struggles with mortality – all figure into managing succession. Yet managing succession is the task that...
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16 Sep 2022
Posted by Trina Snowney 
Let’s talk about Diabetes. This is a chronic condition associated with high levels of glucose (sugar) in the blood. Insulin hormone produced in the pancreas helps to turn glucose from the food we eat into energy. When the body doesn’t produce enough insulin or doesn’t effectively use the insulin...
Read more → 15 Sep 2022
Posted by LTC Sales 
Your clients often think they will not be among the 75% of people who need Long-Term Care sometime in their life. They put it off thinking they don’t need to purchase protection until it actually happens to them. Unfortunately, waiting to purchase coverage could mean they pay higher premiums or they...
Read more → 14 Sep 2022
Posted by Thomas Nicols 
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...
Read more → 13 Sep 2022
Posted by Tom Virkler 
The poet and playwright, Oscar Wilde, once described a cynic as someone who knew the price of everything and the value of nothing. A good friend of mine has sold residential real estate for years. Describing some of her non-cynical clients, she tells many stories of long-time homeowners who struggle...
Read more → 12 Sep 2022
Posted by CPS Insurance Services 
In today’s competitive job market, business owners are looking for ways to retain key talent. Did you know there are Life Insurance based plans business owners can use to reward these vital employees? An Executive Bonus Plan allows a business owner to select who they reward with no discrimination...
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