Everyone likes to feel like they are getting a great buy- especially on disability insurance. Are you aware of the significant cost savings that are available with discounts on disability insurance? Take a look at the cost savings available for this client by...
the dis blog
LTCi at a Glance: What are ADLs?
The six Activities of Daily Living (ADL) are: Bathing, Dressing, Toileting, Continence, Transferring, and Eating. A person who needs Substantial Assistance performing at least two of these activities for 90 days or more is considered to be eligible for long-term care...
The Triple-Threat to Millennials: Solved by Disability Insurance
Much has been written about how ill-prepared boomers are for retirement, facing the challenges of insufficient retirement assets, rising health care expenses, and the need for long-term care. While retirees bear the brunt of this all-too-often combination of financial...
Tell Your Clients About Potential LTCI Tax Deductions
Without long-term care insurance, an individual is in effect, self-insuring for the possibility of long-term care. Self-insuring puts retirement income is at risk, may require illiquid assets to be liquidated, and the value of equities might be compromised when sold...
Three Reasons your Small Business Client Needs Disability Buy-Sell Insurance
Business partners usually have a variety of talents required to make the business successful. Usually partners delineate areas of focus and responsibility. One may be the idea person, another the rainmaker, someone else may be essential to keeping the business running...
How You Can Help Women Overcome Financial Threats
The wage gap has become a frequent topic in the national conversation. Perspectives and opinions vary about the causes, but one undeniable effect is financial insecurity in retirement. The most significant financial threat to women is the risk of living in poverty in...
Paycheck Protection for the Modern Workforce
Have you noticed? America’s workforce is changing. It’s getting younger, more mobile and more skilled. Are your paycheck protection sales strategies keeping pace? If you think that disability insurance is something that you should only offer to your clients who are...
How to Assess a Prospect’s Budget for Paycheck Protection
How large of premium can your DI prospect afford? It can be a hard thing to judge – and much different than assessing the affordability of consumer goods. For example, car buyers typically don’t shop at a Mercedes dealership when the budget allows for a Chevy. New...
How do business owners spell Plan B? BOE.
Agents – Believe it or not, your business owner clients probably know more than you do when it comes to planning for contingencies. For example … What if a major order gets canceled at the last minute? What if the order is delivered but the customer goes out of...
Home Ownership and Disability Insurance: Like PB&J
This year is shaping up to be the best housing market in 10 years. Unemployment is low, mortgage rates are relatively low and consumer confidence is the highest it has been in 17 years. And millennials, the largest generation in history, are finally starting to buy....
