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, Physician and Pharmacy....

How do you picture 2025? Who do you think will be running the workplace? How about Generation Y? According to the Bloomberg Business Summit, Millennials, or Generation Y, will make up the majority of the workforce by 2025. Do not miss out on an opportunity! Millennials' earning power will rise over...

When a producer asks their client to visualize a disabling event, most will imagine the same scenario: A terrible, disabling car accident that causes complete paralysis. They picture the rest of their lives spent in a hospital with lots of breathing apparatuses, tubes, and medical professionals providing...

Some clients may understand the need for Disability Income insurance, but still resist purchasing because they don’t want to ‘lose’ the premium dollars if they never use the coverage. For many, the purpose of buying disability insurance is to aid in getting sleep at night – the comfort of knowing...

Your clients' most important asset is not their home, car or other possessions. It’s their income earning ability. Think about it: their plans for the future depend on their income – from buying a home to putting kids through college to saving for retirement. What if their income stopped? What...

Do your clients have clear visions of their future? While many may have a vague sense of what they want, things to accomplish, or relationships they hope to develop, very few can actually articulate what they think their life will look like five or more years down the road. As an advisor, it’s...

When is the best time to buy an income protection plan? Could it be when my client is at the top of their earning years? Or when they are just starting their career? The answer is, right now, before any health concerns arise that would preclude them from securing this valuable coverage. Before the premium...

The millennial generation (also known as Generation Y) is defined as people ages 18-35. Today they represent over 25 percent of the US population. Many of them entered the workforce during a time of economic uncertainty and are more risk averse and mindful of their money than previous generations....

Could You Afford Your Home Without Your Income? For some people, “income protection” is a phrase that strongly resonates with their everyday lives. Consider This 71% of American employees live paycheck to paycheck. 62% of all personal bankruptcies filed in the U.S. in 2007 were due to an inability...

Employers today are constantly struggling to find new ways to attract, motivate and retain the best and brightest employees without having to pay them overly inflated wages. One way to accomplish this is by offering a competitive employee benefits package. In a recent study by one of our strategic...