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...

Your client’s all have different dreams. They may want to travel, take up hobbies or spend more time with family. Whatever their plans, they have probably started saving considering they could spend 20 to 30 years in retirement. Even if your clients believe they are on track with retirement savings...

Advisors and planners must know that adequate Disability Insurance benefits for business owners can seldom be handled by one policy or one carrier. Adequate Disability coverage requires planning, which can be done once a person knows what resources are available. Whether the need is for $1,000 to $100,000...

There are more than 310 million people living in the US and 160 million of them earn a living in the workforce. Of those 160 million, 120 million do not have any form of Income Protection Insurance other than Social Security. Odds are that your next phone call or meeting will be with someone who needs...

When an individual is invited to become a partner in a professional practice or business, there is usually a period of time that involves the Buy-In. During this period the deal is riding on the fact that the individual becoming a partner has the finances to buy into the company. A disability could...

Typically, traditional Disability Coverage offers income protection for two or more years due to an accident or sickness that prevents your client from performing the material duties of their job. The problem with traditional coverage is that your client is usually exposed to a 30 to 365 day window...

It is important to remember that Disability Income Insurance is needed year round. In fact, there is a three in ten chance that you will be faced with a disability that will cause you to be out of work for at least three months. It is important to remind your clients that it could happen to them. When...

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,...

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...