Wondering what an “ideal” income protection client looks like? Of course, the ideal client probably has fiscal discipline and a financial freedom mindset. What else? Consider the characteristics below. Then stay with us for the “reveal” of just who this ideal...
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As the economy improves and more people return to work, the disability income market also improves. Just last month, StanCorp Financial reported first quarter increases in both group and individual disability premiums. Does your practice reflect a growth in disability...
Decisions about long-term care affect the entire family, particularly the current and future caregivers. Caregivers will face financial, emotional, and social pressures. Here are three important reasons to talk to future caregivers about the importance of planning for...
Chiropractors are typically good buyers in disability insurance but it can be difficult to find a carrier who will offer them quality coverage due to a high claims history for the profession. Many carriers have stopped writing coverage on chiropractors...
You are probably more than familiar with the most common objection to disability insurance; “I have disability insurance at work.” That comment reinforces exactly what industry studies have been telling us about disability insurance awareness; most people don’t...
Millions of Americans in today’s workforce do not feel disability insurance is necessary. Nor do they have an alternative strategy to account for their lost earnings in the event a sickness or injury inhibits their ability to work. Why? A very small percentage of...
Nothing is more stirring than the swell of the Indiana Jones theme music as Harrison Ford comes to the rescue just in the nick of time. The locations are exotic, the heroine beautiful and our hero handsome and rugged. In adventure movies, the characters in need of...
It’s a question that many clients ask or more specifically, “Can I deduct the premiums for this disability insurance from my taxable income?” It’s also a question most agents hate to get! Taxation can get a bit complicated, especially because the way it is...
Of course you know that disability is a risk often discussed by financial advisors and insurance professionals. What you may not know is that it is also a big concern for commercial loan officers. For years, banks required life insurance as collateral for some...
