Supplemental, high-limit disability benefits have been available to higher-income clientele for decades. Excess disability plans are traditionally sold on an individual basis. However, in recent years, excess disability products have become available in the multi-life and group guaranteed-issue markets, providing the advantageous ability to reduce or even eliminate underwriting altogether while at the same time […]
Now that the infection rates and spread of the maddening COVID-19 pandemic seems to have plateaued and businesses are beginning to open back up across the country, it is the perfect time to stir-up new insurance transactions among your own client lists. Believe me, there are plenty of potential sales and premium awaiting you in […]
The COVID-19 pandemic has forced changes to business practices the world over. Common now are video meetings and teleconferences so as to accommodate employees working remotely, outside the traditional confines of an office building conference room. Not only are these activities promoting social distancing and safer business practices, but they are also keeping you, your […]
As the COVID-19 crisis continues, the business world as we know it has changed – at least temporarily. Our friends and colleagues in London continually report that the financial and insurance districts in the city are mostly shutdown and the office buildings remain quite empty. But human lives and businesses are adaptable as most financial […]
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 more true than it is today, especially in the current COVID-19 climate when […]
The year 2020 is certainly one most Americans will be talking about for many years to come. The global Coronavirus pandemic has significantly altered the way most of us live and work – at least temporarily. But as we do our part to socially distance, staying at home, trying to “flatten that curve”, millions of […]
Considering the current state of life in the United States, with all of us doing our best to practice social distancing and contactless commerce, many American industries are wavering under the crushing pressure of the COVID-19 pandemic. Lucky for you and I much of the way we transact day-to-day business can be done so electronically and […]
In this changed world of social distancing and government mandated stay-at-home orders, the long shadow of the Coronavirus has definitely taken a toll on American businesses and financial sectors. The life insurance industry has yet to be hit hard, but experts are seeing a general slowing trend among financial services businesses including most lines of […]
Although the Coronavirus outbreak has placed professional and collegiate sports on an indefinite hiatus in this country and the rest of the world, we can still posture in anticipation of our favorite athletes dazzling us once again on pitch, field and court. In the meantime, the upcoming NFL draft may tickle your sporting life fancy, or […]
The pandemic that has swept through our country has created major stress in everyone’s lives. Shopping and food supplies, while available, are more difficult to readily attain, and restocking often needs to be planned rather than just jumping in the car anytime you want. There are also new stressors at home. Kids must stay at […]