by Daniel C. Steenerson, CLU, ChFC, RHU | Mar 30, 2015
As disability insurance professionals, we rely on our friends at the Council for Disability Awareness (CDA) for market insights. The organization’s mission is to understand and improve the disability awareness levels of advisors, employers, and consumers. Our article...
by Daniel C. Steenerson, CLU, ChFC, RHU | Jan 26, 2015
How are you doing with your New Year resolutions? Just about this time every year, our resolve to adopt better habits begins to dissolve. It is much easier to fall back into our old habits, usually because we forget WHY we wanted to make a change in the first place....
by Daniel C. Steenerson, CLU, ChFC, RHU | Jan 15, 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. At...
by Daniel C. Steenerson, CLU, ChFC, RHU | Jan 13, 2015
A few years ago the Council for Disability Awareness (CDA), published the CDA 2011 Advisor Disability Awareness Study to exposing the gaps between reality and assumptions of disability insurance by both consumers and advisors. It’s no surprise that many of the...
by Daniel C. Steenerson, CLU, ChFC, RHU | Jan 7, 2015
There’s gold in them thar’ numbers! According to the Bureau of Labor Statistics 2014 National Compensation Survey, roughly two-thirds of American workers do not have access to disability coverage. Yet 97% of those who are offered disability insurance enroll in the...
