Alarmingly, nearly 70% of business owners are not covered under the same Workers’ Comp policy they use for their employees.  If they were seriously injured on the job, what would they lean on?  Medical Insurance doesn’t cover lost income, and pulling revenue out of the corporation is dicey. An...

Fortunately, most disabilities are short term in nature.  Unfortunately, most small businesses don’t provide short term disability protection for their employees. Guaranteed Short Term DI provides small businesses, with as few as 2 employees, affordable 100% guaranteed issue short term disability...

Principal Financial has made temporary Individual Disability Income underwriting guideline changes in response to COVID-19. Effective immediately, the Individual Disability Insurance (IDI) Underwriting Department at Principal® is changing underwriting guidelines for exams and labs.  These changes...

Principal Financial has made temporary Individual Disability Income underwriting guideline changes in response to COVID-19. Effective immediately, the Individual Disability Insurance (IDI) Underwriting Department at Principal® is changing underwriting guidelines for exams and labs.  These changes...

It can take a lifetime to save enough for retirement – and just a few minutes to deplete it should an emergency strike. Do your clients have a plan in place should they sustain an illness or injury that affects their ability to work?  What would they do if their income stream suddenly came to a screeching...

Full-Time Independent 1099 contractor groups are now eligible for multi-life discounts or Affinity Business Discounts. Typically the employee must be part of an employer group, work full-time, and receive W-2 wages to qualify for a multi-life discount. Now, small groups of 3-14 employees and contractors...

If a severe disability struck, the kind where it’s impossible to perform life’s most basic activities without assistance, would your clients have enough income to get by? Traditional income protection would provide approximately 60% of your client’s pre-disability earnings. However, your client’s...

When is the best time to buy an income protection plan?  The answer is – right now.  It should be done before any health challenges arise that preclude prospects from getting this valuable coverage, or the premium becomes too expensive due to older ages. Start the conversation with young couples,...

As the 2019-2020 football season has come to an end, it’s timely to share a case study for an NFL running back we worked on. In this case, the player was approaching free agency and his biggest paycheck to date.  To protect himself and his future income, he needed an insurance policy in place before...

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...