It’s a fact of life that everyone dies. Given this, it makes sense to prepare for the inevitable by purchasing life insurance. But here’s the thing that a lot of advisors seem to forget – death isn’t the only calamity that people face. Illness and injury can turn a...
More and more, people plan to work past age 65. Pew Research Center says that 29% of Boomers between the ages of 65 and 72 were working or looking for work in 2018, a rate that is noticeably higher than that of previous generations, while a survey from the Employee...
You already know that those in high-earning occupations need disability insurance protection. Physicians, dentists and attorneys have long served as core income protection buyers. Going forward, I encourage you to broaden your thinking. It turns out that “regular...
Small business owners enjoy being their own bosses, setting their own schedules and achieving their own goals. They also take on considerable risk and responsibility. According to Forbes Advisor, 30% of businesses fail within the first two years, while approximately...
Is now a good time to buy a house? Some people think so. According to Newsday, a poll found that more New Yorkers are planning to buy a home in the next six months than any time in the last 20 years. If your clients are buying a house, or even if they are already...
Disability insurance can be a lucrative market—but only if you know how to tap it effectively. Moving forward without a solid game plan can put you at a major disadvantage. Whether you’re new to disability insurance sales, or you’re an experienced sales professional...
When people assume that they’ll never become disabled, they may be misunderstanding what’s meant by a “disability.” Disability insurance covers injuries, but it also covers illnesses such as cancer. Make sure your clients understand how cancer factors into the...
Are you chasing after the wrong disability insurance prospects? You might think the person who makes the most money and who has the most discretionary income is the best candidate for individual disability insurance. While there’s some truth to this assumption, it can...
Could you survive on 60% of your income? What about 35%? Probably not – and neither could your clients. Most Americans are living on tight budgets. Unfortunately, if someone who depends on group long-term disability insurance experiences an illness or injury, there...
Many Americans rely on Social Security disability benefits – but if you think you’ll be able to depend on Social Security if you’re ever unable to work, you might need to think again. The program has strict rules, and many people don’t qualify. Here’s why workers need...
