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New Proprietary Disability Coverage For Professional Athletes


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 12 Sep 2018   Posted by Thomas Nicols

Professional athletes are at higher risk of injury every time they train, practice, and compete. It's not surprising, then, that professional athletes were among five occupations that had more than 1,000 injuries per 10,000 workers – according to the Bureau of Labor Statistics. Getting hurt is a part...

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New Income Protection Solutions For Businesses


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 05 Sep 2018   Posted by Thomas Nicols

CPS is excited to bring three new solutions to your marketplace and the opportunities they present to help you grow your business. Key Person Replacement Insurance, the Business Loan Protection rider and the Supplemental Health Benefit rider are only offered by a few carriers, which is why CPS is the place...

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The Power Of Real Life Stories


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 29 Aug 2018   Posted by Thomas Nicols

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 beg to hear...

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Are You Selling Nonstandard DI?


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 22 Aug 2018   Posted by Thomas Nicols

In these hard economic times, nothing can throw your client's life out of balance like a disability, even one that is short term. In addition to being physically challenged, not being able to earn a paycheck can impact your client's life for years to come. In today's financial circumstances, people...

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The Art Of Selling DI


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 15 Aug 2018   Posted by Thomas Nicols

Selling an Income Protection Insurance policy can be challenging, especially when your clients become overwhelmed with the terminology and options available. Often times your prospects don’t know the criteria for the policy that suits their needs. It is your job to help them find the best fit while...

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Increase Your Sales With This Fast Track Sales Tip


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 08 Aug 2018   Posted by Thomas Nicols

It's common for advisors to jump to the solution before making sure their clients comprehend what is at stake should they get sick or hurt and not be able to work and provide an income. The first step, and the most important, is conveying the necessity for income protection to your clients. Start by finding...

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Insure Alimony And Child Support Against Disability


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 01 Aug 2018   Posted by Thomas Nicols

To guarantee alimony and child support is paid at the death of the person making the payments - the payer would carry life insurance equal to the unpaid balance, and the policy would be owned by and payable to the surviving ex-spouse, the recipient - no problems. But what about continuing alimony and child...

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How Federal Employees’ DI Benefits Create Sales Opportunities


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 25 Jul 2018   Posted by Thomas Nicols

Ask a Federal Employee about their income protection plan and you’ll likely hear, “I have disability insurance through my work – I am a Federal Employee and, you know, we have great benefits.” Many would think the conversation ends there, but the reality is that most Federal Employees don’t...

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The Times Are A Changing – A Compassionate Family Care Benefit


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 18 Jul 2018   Posted by Thomas Nicols

Disability Insurance is designed to protect against income loss due to an insured’s injury or sickness. But what happens if they need to take time off work to care for a loved one who is seriously ill — such as a child, spouse or parent? More than 65 million U.S. adults provide care for a loved...

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It’s Not Disability Insurance – It’s Income Protection


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 11 Jul 2018   Posted by Thomas Nicols

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...

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