A majority of employees have Disability Income coverage sponsored by their employer.  However, they are unaware of how much coverage their plan would provide if they were to be too sick or hurt to work. Many individuals live with a false sense of security regarding their Income Protection plan – believing...

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...

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...

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...

We often hear advisors mention they don't offer Individual Disability Insurance 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...

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...

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...

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...

With medical advancements, people are able to survive critical illnesses which may in the past have resulted in a death.  While your clients can rest easy knowing they have a higher chance of survival if they receive an unsettling diagnosis – they also have to afford living with the condition, which...