The unasked question to small business owners is, What would happen to your business if you were to get sick or hurt and couldn’t work for a lengthy period of time? Most small business owners could not get away for a long weekend, let alone several months.  Many would likely have to close the business...

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,...

The need for an income protection plan is not just for the Executive, Doctor or Attorney earning in excess of $150,000.  According to the United States Census Bureau, in September 2017 the average annual income in the United States was $51,017 from all occupations. Average everyday working people (Middle...

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 stays, physician’s...

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...

We have partnered with the nation’s Top Carriers to provide your clients with Employee Assistance Programs (EAP) that best suit their demographics and needs. How it works: EAP is added to group plans like a rider An add on to group life or LTD Available to groups of 10+ employees Free...

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...

You know statistics alone don’t sell Disability Income Insurance.  No matter how many scary statistics you quote, some customers can’t fathom why they may need DI.  That’s when having some real life examples your customers can relate to can turn the sale around. People love stories.  Children...

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...