Principal Financial has made temporary Individual Disability Income underwriting guideline changes in response to COVID-19. Effective immediately, the Individual Disability Insurance (IDI) Underwriting Department at Principal® is changing underwriting guidelines for exams and labs.  These changes...

Principal Financial has made temporary Individual Disability Income underwriting guideline changes in response to COVID-19. Effective immediately, the Individual Disability Insurance (IDI) Underwriting Department at Principal® is changing underwriting guidelines for exams and labs.  These changes...

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...

Over the past couple years we’ve slightly modified the language around Income Protection. The word disability is somewhat alarming and often evokes thoughts of being incapacitated or laid out in a hospital bed – it’s the reason we don’t refer to Life Insurance as Death Insurance. Put in a more...

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...

If a severe disability struck, the kind where it’s impossible to perform life’s most basic activities without assistance, would your clients have enough income to get by? Traditional income protection would provide approximately 60% of your client’s pre-disability earnings. However, your client’s...

When is the best time to buy an income protection plan?  The answer is – right now.  It should be done before any health challenges arise that preclude prospects from getting this valuable coverage, or the premium becomes too expensive due to older ages. Start the conversation with young couples,...

As the 2019-2020 football season has come to an end, it’s timely to share a case study for an NFL running back we worked on. In this case, the player was approaching free agency and his biggest paycheck to date.  To protect himself and his future income, he needed an insurance policy in place before...

Many small-business owners fail to understand how difficult it would be to stay operational if they were disabled and unable to run their business. The impact of a small-business owner’s disability does not just affect the business itself, but the employees as well. Protect both the business and staff...

Dynamic duos like Batman & Robin, Starsky & Hutch, and Bonnie & Clyde, all have one thing in common – they rely on each other to get the job done right.  Your clients in business partnerships do the same – but, what would one do without the other? Business partners must plan for the “what...