Let’s suppose you are the primary provider for your family, which depends completely on your income to support all of its household needs. Consider this 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...

Find out what separates International Disability Underwriters (IDU) from other Lloyd’s Coverholders Wednesday, December 7th - 10.00 AM to 10.30 AM PST Register today and learn advanced planning techniques for Key Person and Buy Sell products with IDU, Inc - a cover holder at Lloyds of London. Webinar...

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....

As the 2022-2023 football season is now at full throttle, now is the perfect time to share a case study of an NFL running back we worked on earlier in the off season. In this case, the NFL Running Back being drafted in the second round of the NFL draft and completing three successful seasons, the player...

Think Pink.  Think Compassion.  Think Care.  Think Ahead. October is Breast Cancer Awareness Month.  Agents and brokers, reach out and talk with your clients about what they can do today to make things easier should the unexpected happen. While the chances of surviving a critical illness such as cancer,...

Selling Disability Insurance (DI) is a delicate process. You know your clients need the protection, but the 'hard sell' angle can be too aggressive.  Today, we are working in an environment where a subtle approach has proven much more effective when opening the conversation about Disability Insurance. Instead...

Many Americans are living without ample savings – and a lot are living paycheck to paycheck.  When these families are struck with an unexpected illness such as a heart attack, stroke, or cancer, it can cause a serious financial hardship… even if they have health insurance. The average annual...

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...

Key Person Replacement Insurance is necessary to business owners who want to maintain the strength of their company if a key employee were to become totally disabled. If an employer takes out a Key Person Replacement Policy and the insured key employee meets the definition of total disability, the owner...