One of the most horrific fears of many Americans is the possibility of outliving their cash and financial holdings. But as we witness in real world practice, this common concern doesn’t typically lead to personal accountability or proactive measures early enough. Most working age Americans aren’t sufficiently progressing toward savings and wealth accumulation. We worry […]
Aside from the personal economics of physicians and surgeons, business planning is also of great concern from a disability perspective. Last week we investigated addressing the personal income protection needs of medical professionals. This week we will delve further into the physician and surgeon market with an emphasis on business solutions. Like most other American […]
The U.S. physician and surgeon disability market provides an interesting landscape for insurance companies to navigate. Doctors are well-educated, typically affluent insurance prospects. They readily demonstrate a comfort in addressing their many insurance needs. And they have the income available to meet lofty premium requirements for their property, liability, life, health and disability policies. Yet, […]
The human body is relatively fragile. Although we grow into a sturdy structure of bone, muscle and tissue with the incredible ability to withstand significant trauma and heal, humans aren’t indestructible. No matter how healthy a person may be and no matter how much he or she stays physically fit, everybody is susceptible to injury […]
In the most fundamental teachings of insurance, we are taught that life insurance creates an immediate estate. We also learn that annuities can be employed to liquidate an estate. But how do you financially safeguard an estate, especially during those integral income accumulation years when an individual’s economic attributes take shape, build, ride the inherent […]
As corporate takeovers, mergers and acquisitions continue to be regular occurrences in many business markets, occasional workforce reorganization and downsizing throughout most industries are inevitable. Most importantly for employment liability safeguards, tactful and conscientious business owners will provide comprehensive severance packages at the moment of termination to assist the severed employee through that often-difficult life […]
The employee benefits market, although mostly rewarding to its advisors, continues to be a complicated and sometimes muddled playing field. American companies, no matter their size, are at times being forced to provide benefits which they can hardly afford, and compliance and management headaches have surpassed most common levels of reason. Human resources personnel and […]
A big thank you to all the corporate sponsors, all the volunteers and everyone else who participated in and/or made donations during last month’s Petersen International ALS Golf Classic. Thank you to our friends and colleagues who traveled out to Southern California from all over the U.S. to spend time with us. As in years […]
The U.S. legal cannabis industry has been enduring some growing pains. Several years ago, when many states legalized the sale of marijuana and THC products for medicinal as well as recreational use, sales and market share exploded. Corporate and state government revenue projections were outstanding. Investors were lining up, tens of thousands of new jobs […]
The disability insurance marketplace may seem relatively obscure to many life and health insurance advisors active in the industry today. However, the true nature and importance of income protection is not lost on successful agents and brokers willing to step out of their proverbial comfort zones and market products that are not only pivotal safeguards […]