Are you conducting annual reviews with at least some of your clients? The annual review, used successfully by many professionals, is not only a forum for reviewing product portfolios, protection levels and investment performance; it’s also an ideal time to educate...
the dis blog
Back-to-school basics for insurance professionals
As summer comes to a close and the leaves begin to take on new colors, the biggest change to my daily routine is that I now order a pumpkin spice latte instead of my usual Americano. For me, fall no longer brings back the burden of a new school year or the...
Filial Responsibility: What You Need to Know
A few years ago, the U.S. Census Bureau published a report called “The Next Four Decades,” showing how elder demographics are expected to change between 2010 and 2050. In short? They’re expected to grow. (A lot.) Today, for every 100 people of traditional working age,...
51 things scarier than selling disability insurance
It’s come to my attention that there are still some agents out there who aren’t selling disability insurance. I can only assume it’s because they’re a little frightened by the process. Maybe they’re worried their clients will ask questions about riders...
A smart way to pay for long-term care insurance: A health savings account
Whether we’re buying a new car, planning a vacation getaway, or choosing a cellular plan, we Americans love having plenty of choices. And when it comes to financing long-term care costs, your clients have choices too. As an insurance broker, you’ve probably been...
Why Disability Insurance Policy Language Matters: Waiver of Premium
Waiver of premium is a feature that is commonly offered on individual DI policies. In fact, I would bet that most of us hardly give the feature a second look on a DI illustration. It’s just assumed that if the client is disabled, the premium payments will...
