The need for disability insurance is strong. According to the Social Security Administration, today’s 20-somethings have one in four chance of becoming disabled during their working years. With odds like that, it seems like everyone should want disability insurance –...
As an insurance agent or financial planner, your target customer audiences likely to consist of three generational cohorts, Boomers, Gen X, and Millennials. While these groups share the critical need to protect income during an illness or injury, the motivations of...
Looking for a new segment for disability insurance marketing? The facts make a strong case for concentrating on the IT industry. It is one of, if not the largest, industries in the nation today. According to the latest data from the Bureau of Labor, the entire U.S....
What do we know or think we know about millennials? Several organizations from Pew Research Center to Harvard University continue to study the phenomenon of generational cohorts assigning attributes, behaviors, economic impacts, and more to each. Most recently, Pew...
Open enrollment is just around the corner. If you plan to sell voluntary disability insurance benefits, now is the time to get your foot in the door. In most companies, the HR team is pivotal helping employees understand and use their benefits. So, it stands to reason...
Like many others in their 20s, I remember not being thrilled about the chunk of income that was taken every month by insurance. It always seemed like money that was going out and would never come back in and felt especially significant at a time when my income was...
One of the main reasons that insurance producers decline to present Individual Disability Insurance to their clients is because there are a lot of intricacies that can make the product intimidating at first glance. Due to the fact that the product is rather...
What would you say your most important sale has been? Would you say it was your biggest sale – the one that netted you the best commission? Or would you say it was the one that led to the most referrals and cross-selling opportunities? While sales like these are...
Initially clients may doubt the need for paycheck protection. They may falsely believe that their health insurance coverage exempts them from incurring hefty medical bills. Yet studies find that even those with health insurance, experience escalating debt when...
Those who are beginning careers today face more financial challenges than their parents did a few decades ago. Net worth, home ownership and wages are down, while debt is up – way up! Consider these statistics: The current median wage for a 25 to 35-year-old is 20...
