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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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Webinar: 3 Differentiators To Grow Your DI Business – In 20 Min | Wed. Jul 18


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 11 Jul 2018   Posted by Thomas Nicols

How you can write more DI business using 3 unique methods. Don’t miss out on this informative session that will help you grow your DI sales. Join CPS DI Marketing & Sales Manager Tom Nicols, CLU, FLMI, and Illinois Mutual’s Brock Falconer, DI Sales Manager Western Region, as they uncover how you can differentiate...

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California State Bill 189 – Worker’s Compensation Under Penalty Of Perjury


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 27 Jun 2018   Posted by Thomas Nicols

When it comes to worker’s compensation insurance, most Property, Casualty, and Commercial Lines Advisors tell me about the majority of Business Owners who “opt out” of their worker’s compensation insurance because it just doesn’t make sense to include their income in the calculation for premium. The...

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Are Your Clients’ Retirement Dreams Protected?


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 20 Jun 2018   Posted by Thomas Nicols

Insurance and Financial Advisors help their clients save and prepare for retirement - but have you thought about what would happen to your clients' retirement dreams if they became too sick or hurt to work and could no longer: Save for retirement? Contribute to their qualified retirement plans...

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100% Guaranteed Issue DI Benefits


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 13 Jun 2018   Posted by Thomas Nicols

Most disabilities are short-term in nature – yet, most small businesses don’t provide short-term disability protection for their employees, leaving them vulnerable if they were to become sick or hurt. Ensure that your small business clients are covered, no matter what the length of the disability...

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3 Ways To Get Your Clients Medical Bills Covered


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 06 Jun 2018   Posted by Thomas Nicols

Injuries and Illness happen, and even when your clients have medical insurance, out-of-pocket medical bills can pile up, putting a strain on their financial security. Clients may budget to meet their annual deductible in their medical insurance plan, but many are not prepared to handle the additional...

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Target The Easy DI Sale


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 30 May 2018   Posted by CPS Insurance Services

We often hear advisors mention they don't offer Individual DI policies because their client base already has protection through an employer plan.  While many advisors may choose to move on to another aspect of the client's financial picture, it's the experienced advisor that sees the true opportunity. We've...

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Up To $7k Of Monthly Benefit For Only $250 Per Month: Protect Your Income


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 23 May 2018   Posted by Thomas Nicols

Take a moment to consider this scenario:  Tomorrow, you will be unable to get out of bed and go to work. Not because you’ve lost your job – but because you suffered from a sudden illness or accident, preventing you from being able earn the income you need to meet your monthly expenses. Think...

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Disability Insurance Awareness Month


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 16 May 2018   Posted by CPS Insurance Services

May is Disability Insurance Awareness Month - make it the month you talk to your clients and prospects about their Disability Insurance needs. Statistically, over one in four of today’s 20 year olds will experience a long term disability before they retire. Yet according to the Social Security Administration,...

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