We often hear advisors mention they don't offer Individual Disability Insurance policies because their client base already has protection through an employer plan.  While many advisors may choose to move on to another aspect of the client's financial picture, it's the experienced advisor that sees the true...

Many middle-class Americans who face cancer, heart disease or other serious illnesses also face thousands of dollars of debt.  Even with Health Insurance, the additional cost for specialist care, unique treatments, and high deductibles add up quickly upon a critical illness diagnosis. Fundraisers on crowdfunding...

Selling an Income Protection Insurance policy can be challenging, especially when your clients become overwhelmed with the terminology and options available. Often times your prospects don’t know the criteria for the policy that suits their needs.  It is your job to help them find the best fit while...

Insurance and Financial Advisors help their clients save and prepare for retirement, but have you thought about what would happen to your clients' retirement dreams if they became too sick or hurt to work and could no longer: Save for retirement? Contribute to their qualified retirement plans...

With the access you have to your clients’ financial plans, comes the responsibility to protect their most valuable asset – the ability to earn a living. Insurance is available for everything from a car to a cell phone, and it’s vital to remind your clients that those things don’t exist without...

Disability Insurance is designed to protect against income loss due to an insured’s injury or sickness.  But what happens if they need to take time off work to care for a loved one who is seriously ill — such as a child, spouse or parent? More than 65 million U.S. adults provide care for a loved...

Injuries and illness happen, and even when your clients have medical insurance, out-of-pocket medical bills can pile up, putting a strain on their financial security. Clients may budget to meet their annual deductible in their medical insurance plan, but many are not prepared to handle the additional...

With medical advancements, people are able to survive critical illnesses which may in the past have resulted in a death.  While your clients can rest easy knowing they have a higher chance of survival if they receive an unsettling diagnosis – they also have to afford living with the condition, which...

Improve your Disability Income (DI) sales with any or all of the numerous marketing assets we have available for your immediate use. We are here to help you design and add customized marketing materials to your catalog of DI sales tools. Some of the marketing tools we offer include: E-mails – Several...

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...