As you weigh the pros and cons of disability insurance products from various carriers, be mindful that not all income protection policies are created equal, and wordings, definitions and claim viability can vary drastically, even amongst differing sources from the same marketplace. Most high-limit, excess disability and impaired-risk disability products stem from the venerated Lloyd’s […]
Accidental death insurance seems quite simplistic in nature, without the need for much explanation or fanfare. However, you might be surprised to learn the true broad perspective of the coverage and the many helpful attributes of a relatively inexpensive accidental death insurance plan. In a rapid technologically developing world as busy and “travel centric” as […]
2022 seemed to flow as I predicted in this article a year ago. Since it has been a year, let me repeat a few of the key items discussed in January 2022 so that the current comments can make more sense. The insurance industry follows a cycle from hard to soft markets. This is a […]
On January 10, 2023, Connecticut began the first round of sales of recreational cannabis at existing medical marijuana establishments throughout the state, less than two years after the corresponding bill was signed into legislation, making Connecticut the latest state to legalize retail sales of the drug for recreational use. The state expects as many as […]
Happy New Year! 2022 is in the books and proved to be more successful and less of a restructuring and rebuilding year for the specialty insurance markets than we anticipated. Nevertheless, financial markets have suffered most in the previous 12 months with crypto tanking, blue chips underperforming and real estate on a roller coaster. Meanwhile, […]
As you and I are financial professionals, the products and ideas we offer assist our clients, making their lives and the lives of their loved ones more economically secure. The benefits we suggest and the business we transact can better consumer lives. Most importantly, we sell peace of mind. But virtuous notions aside, we are […]
In this era so dominated by social media platforms and by the Millennial and Generation Z mindsets, fame has found its way to persons of many genres, talents and walks of life that tend to push the boundaries of the traditional, perhaps antiquated idea and role of “celebrity.” Our computerized world has groomed new outlets […]
It is a common notion that one of the greatest financial fears of Americans is the possibility of outliving their money in retirement. Yet, these concerns don’t always lead to subsequent real-life accountability since most people of working age aren’t making substantial progress toward increasing personal savings. The detrimental cycle continues. We worry about having […]
As corporate takeovers, mergers and acquisitions continue to be regular occurrences in many business markets, continued employee downsizing throughout most industries is inevitable. Severed employees must come to grips with the reality that the employer was ill-prepared or lacked the resources necessary to provide a successful future relationship. In good form and for employer liability […]
Like life insurance products, disability programs come in many different shapes and sizes designed to fit varying client needs and budgets. But acquiring sufficient amounts of DI can be challenging and time consuming to both broker and client alike. That is never truer than it is today, especially in the COVID era when we are […]