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...

With summer officially here, your clients are most likely looking forward to soaking up the sun, and enjoying their favorite outdoor hobbies like mountain climbing, rafting, boating, etc.  What they probably don’t consider much about their favorite hobbies is the risk of injury that comes with them. Accidents...

As discretionary income tightens in most households across the country, many Americans have put the purchase of retirement and insurance vehicles on the back burner, leaving themselves open to risk of severe loss and no way to indemnify. While most would consider their greatest asset to be a house or a car,...

To boost your Individual Disability Insurance (IDI) success, try these 5 tips to emphasize how IDI can provide much-needed income protection for your clients. Focus on the Need, Not the Solution Your clients likely don’t know why they need IDI and what it will do for them.  Start with the basics...

With steadily and rapidly increasing health insurance premiums today's consumers and employers have adapted as best they can. The usual result is more out of pocket expenses for individuals in the form of higher deductibles and co-pays.  This has become a necessity to keep premiums as affordable...

As you know, no two clients are the same.  They have unique financial situations, diverse needs and different occupations. Luckily, one of our strategic carriers offers a comprehensive DI portfolio that offers a fit for every one of your client’s individual needs. This product portfolio includes...

With the economy the way it is, most would agree that saving for retirement in these trying economic times can be challenging to say the least. According to a CNBC study, 36% of American’s making over $100,000 a year, said they aren’t contributing a dime to retirement savings such as a 401k or IRA account. Now...

Modern day Disability insurers are forever fearful of accidentally over-insuring their clients.  This is particularly true when dealing with highly compensated clients. In the past, the income replacement percentage was often subjectively determined by a particular carrier’s underwriter. As of late,...

Do you have clients who've maxed out their Disability Insurance coverage and could possibly be leaving their retirement unfunded if they got sick or hurt? Try DI Retirement Security (DIRS).  It provides coverage for individuals to help them continue to make retirement contributions if they become...

The average business owner is not prepared to have a spouse or relative step into the business in the event that they were unable to work.  In most cases, any business owner would prefer passing responsibilities to someone who already understands the business and will know how to keep it profitable. Issue...