Let’s suppose you are the primary provider for your family, which depends completely on your income to support all of its household needs. Recently, you’ve been hunting for a better job and now there are two offers on the table: Your first offer comes from an employer who will pay you $100,000...

Many firms are finding it harder to obtain, retain, and reward select key employees and executives. Using a little known technique, employers can use special benefit options to give “select employees” Disability Income protection in the form of company paid tax deductible benefits. I have found...

Do you have any clients who earn significant income while working an inconsistent schedule or in a part-time occupation? For traditional Disability Insurance, it is a requirement that the client work full time in a particular occupation in order to qualify. This requirement eliminates many potential...

May is Disability Insurance Awareness Month - make it the month you talk to your clients and prospects about their Disability Insurance needs. Statistically, over one in four of today’s 20 year olds will experience a long term disability before they retire. Yet according to the Social Security Administration,...

Your small business owner clients are faced with many challenges trying to build and sustain their businesses. Maintaining their business during pristine economic conditions can be difficult enough, much less trying to stay profitable if an unexpected Injury or Illness should arise. While many small...

The Business Owner Upgrade feature for Individual Disability Insurance from some of our core carriers provides an opportunity for business owner clients to increase their occupation class by up to two levels. Designed to classify business owner clients in a fair, precise and progressive manner. Eligibility...

While the chances of surviving a critical Illness such as cancer, heart attack, or stroke are greater than ever, living with a condition after diagnosis can create severe financial hardships for your clients. Traditional health insurance plans cover medical expenses such as Hospital and Doctor’s fees....

The typical needs analysis might be overwhelming to prospects or they might not be ready to commit the total amount of premium dollars required for the plan recommendation. In an effort to show them the value that we can bring to their family, why not start with protecting their income? Disability Income...