Business Overhead Expense (BOE) Disability Insurance is a cornerstone of a well-managed corporate financial plan.  The coverage financially indemnifies the regular monthly overhead of a company in case of the partial or total disablement of the business owner. BOE coverage allows a business to stay...

Did you know that 82% of business owners are not covered under the same Workers Compensation policies they are required to pay and carry for their employees? Health insurance would take care of their medical expenses in the case of an injury or illness, but how would they recover lost income? Could...

“I have coverage through my work.” While this may be a common objection to purchasing Income Protection, many people wouldn’t know the amount of time they have to wait before their benefits kick in. In addition, many would also have trouble keeping up with their living expenses during the elimination...

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...

The Simplified Underwriting Program makes it quick and easy for advisors to get Disability Income cases issued more effectively - fewer underwriting requirements will expedite your case. No exam, no blood, no specimen, and no tax returns required* - after the basic application has been submitted, your...

Many middle-class Americans who face cancer, heart disease or other serious illnesses also face tens of thousands of dollars of debt.  Even with Health Insurance coverage factored in, additional costs for specialist care, unique treatments, and high deductibles add up quickly upon a critical illness...

Many Americans are living without ample savings – and a lot are living paycheck to paycheck. When these families are struck with an unexpected illness such as a heart attack, stroke, or cancer, it can cause a serious financial hardship… even if they have health insurance. The average annual income...

Life is full of unexpected ups and downs; fortunately, insurance provides a degree of certainty during these uncertain times. The ability to work and earn a living is a valuable asset that is often overlooked. Are your clients protected against the possibility of a disability?  Have you ever asked...

Over the past couple years you may have noticed we changed the language around Income Protection slightly. Reason being, in an industry sense it's Disability Income Insurance - but in a practical sense, Income Protection is for clients who want affordable, simple protection that can help cover bills...

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, Physician and Pharmacy....