by Daniel C. Steenerson, CLU, ChFC, RHU | Jul 23, 2015
It turns out you can teach an old dog new tricks.Like most of you, I was trained to include the non-cancelable feature in every individual disability insurance (IDI) policy that I sold. In fact, back when I was 24 years old, I purchased an IDI policy for myself. ...
by Daniel C. Steenerson, CLU, ChFC, RHU | Jun 30, 2015
As insurance sales professionals, we spend a significant percentage of our time on lead generation. However, have you ever stopped to wonder what might happen if we dedicated an equal amount of time to customer cultivation? Customer cultivation is the art of moving...
by Daniel C. Steenerson, CLU, ChFC, RHU | Jun 23, 2015
Wondering what an “ideal” income protection client looks like? Of course, the ideal client probably has fiscal discipline and a financial freedom mindset. What else? Consider the characteristics below. Then stay with us for the “reveal” of just who this ideal...
by Daniel C. Steenerson, CLU, ChFC, RHU | Jun 15, 2015
As the economy improves and more people return to work, the disability income market also improves. Just last month, StanCorp Financial reported first quarter increases in both group and individual disability premiums. Does your practice reflect a growth in disability...
by Daniel C. Steenerson, CLU, ChFC, RHU | May 5, 2015
Of course you know that disability is a risk often discussed by financial advisors and insurance professionals. What you may not know is that it is also a big concern for commercial loan officers. For years, banks required life insurance as collateral for some...
