Some clients may understand the need for Disability Income Insurance, but still resist purchasing because they don’t want to “lose” those premium dollars if they never use the coverage. For many, the purpose of buying Disability Insurance (DI) is so they can sleep at night knowing if they get sick...

Short-term disability insurance and long-term disability insurance are both designed to provide replacement income to your clients, in the event they are unable to work due to accidents or sickness.  The most obvious difference between the policies is the amount of time they are designed to sustain...

Fortunately, most disabilities are short term in nature.  Unfortunately, most small businesses don’t provide short term disability protection for their employees. Guaranteed Short Term DI provides small businesses, with as few as 2 employees, affordable 100% guaranteed issue short term disability...

When it comes to achieving our goals of financial security, we are our own best friends - or more likely, our own worst enemies.  It seems the average American is not setting aside enough money to achieve their financial objectives, let alone protect what they already have. While the need for income...

Many small-business owners fail to understand how difficult it would be to stay operational if they were disabled and unable to run their business. The impact of a small-business owner’s disability does not just affect the business itself, but the employees as well. Protect both the business and staff...

Many middle-class Americans who face cancer, heart disease or other serious illnesses also face tens of thousands of dollars of debt.  Even with health insurance coverage factored in, additional costs for specialist care, unique treatments, and high deductibles add up quickly upon a critical illness...

As the 2021-2022 football season is ready to start at full throttle, now is the perfect time to share a case study for an NFL running back we worked on. In this case, the NFL Running Back being drafted in the second round of the NFL draft and completing three successful seasons, the player was approaching...

Dynamic duos like Batman & Robin, Starsky & Hutch, and Bonnie & Clyde, all have one thing in common – they rely on each other to get the job done right.  Your clients in business partnerships do the same – but, what would one do without the other? Business partners must plan for the “what...

The need for an income protection plan is not limited to the Executive, Doctor or Attorney earning in excess of $150,000.  According to the U.S. Census Bureau the average annual income in the United States was $51,017 from all occupations.  Average everyday working people (Middle America) are just...