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...

Do you have any clients who earn significant income while working an inconsistent schedule or in a part-time occupation? For traditional Disability Insurance, it is a requirement that the client work full time in a particular occupation in order to qualify. This requirement eliminates many potential...

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,...

Your small business owner clients are faced with many challenges trying to build and sustain their businesses. Maintaining their business during pristine economic conditions can be difficult enough, much less trying to stay profitable if an unexpected Injury or Illness should arise. While many small...

The Business Owner Upgrade feature for Individual Disability Insurance from some of our core carriers provides an opportunity for business owner clients to increase their occupation class by up to two levels. Designed to classify business owner clients in a fair, precise and progressive manner. Eligibility...