New Year, Fresh Start: How to Discuss Disability Insurance as You Plan for the New Year
What really changes when we switch to a new calendar year? Nothing – and everything. The start of a new year is the perfect time to reset. For insurance agents and financial advisors, this is an opportunity to meet with your clients, catch up on recent events, and make plans for the months ahead. Make […]
Use Risk Reversal to Close More Insurance Quotes
Are your prospects afraid of wasting money on disability insurance that they’ll never use? Despite the frighteningly high odds of disability, many people can’t imagine ever becoming disabled themselves, so this is a common objection. You can overcome this objection to close more disability insurance quotes with risk reversal strategies. What Is Risk Reversal? In […]
Brokers: Don’t Let DI Be the Opportunity that GOT AWAY
We all have a few regrets. If I had studied harder, I might have been an aerospace engineer. If I had known the market was crashing, I wouldn’t have bought my house at the peak. If I had realized the reward of selling disability insurance, I would have started selling it sooner. Yes, for many senior […]
The Tale of Two Business Owners: How Classification Impacts Disability Benefits
Two small business owners secure individual disability insurance. Both have made the smart decision to protect their incomes against the risk of disability. Both end up experiencing a disability that requires them to stop working, and both file a claim. However, that’s where their tales diverge. Due to differences in underwriting, one business owner has […]
The Surprising Correlation Between Cross-Selling and Retention
It’s a great thing to be recognized as a company’s employee benefits broker of record. However, it’s a privilege that can be taken away at any time. You never want to leave the door open for competitors. That’s why it’s important to understand the correlation between cross-selling and retention. Building Value by Cross-Selling Each line […]
How to Illustrate the True Impact of Income Loss to Sell Disability Insurance
If you had an asset that was worth millions of dollars and vulnerable to common losses, wouldn’t you want to insure it? A person’s paycheck can easily be worth millions of dollars over the span of a career, and it is vulnerable to cancer, stroke, and many other common causes of disability – but many […]
Stop Discriminating Against Medically-Impaired Disability Insurance Prospects
Do you turn down prospects because they have less than perfect health? It’s time to stop. When you discriminate against medically-impaired disability insurance prospects, you’re not just letting down someone who could really use coverage – you’re also denying yourself a commission that might not be nearly as hard to secure as you think. The […]
The Frightening Facts about Disability Insurance
Ghosts and goblins may not need disability insurance, but the millions of U.S. workers who depend on a paycheck do. This October, many people will be watching horror movies and wearing scary costumes, but nothing is more frightening than facts about disability and what can happen without disability insurance. The Real Danger that Lurks in […]
How You Can Stand Out by Specializing in Medically Impaired
It’s ironic. People with a history of medical issues are often the most likely to recognize the importance of paycheck protection, but their pre-existing conditions mean they may have a harder time securing coverage. Thankfully, there are disability insurance coverage options – and you can stand out by specializing in the medically impaired market. Many […]
How Marijuana Use Affects Disability Insurance Underwriting
As more and more states change their state laws and enforcement related to marijuana use – either recreational or medicinal, marijuana usage is becoming an important factor in disability insurance underwriting. Different carriers take different approaches, so asking your client questions about marijuana usage can help you target the best carriers for the case. Where […]