There is simply much more to disability insurance than selling policies and earning commissions. Americans need to be frightfully aware of the real possibility of disablement during one’s career and the devastating potential loss of earnings. Any scenario that involves total or partial loss of income should be an immediate wake-up call to anyone lacking […]
As insurance professionals, we must celebrate our current successes and the general good health of the DI market, but we must also be wary of future turbulence and the hazards the industry may soon face. For the last decade it’s been a buyer’s market which has clearly been beneficial to the consumer. The world’s personal […]
As residents of a democratic nation built upon economic models of capitalism and free market systems, personal income is our greatest asset. Without a regular paycheck, we wouldn’t be able to live as we are accustomed; we wouldn’t be able to provide the same food and shelter for our families or education for our children. […]
Disability Insurance Awareness Month (DIAM) begins triumphantly next week on May 1st. For 31 glorious days, those in the know will be rejoicing in all things DI. There is no time better than now to familiarize your clients with the extreme importance of income protection. Disability insurance is the most undervalued of coverage in the […]
So what’s trending this spring? As an insurance professional you are bombarded with industry news and expert takes on mainstream life and health insurance trends and new product lines. Blogs and magazine articles, newswires and online forums are all at your fingertips and in the service of feeding you market insight on a daily basis. […]
With the continuous onslaught of Baby Boomers reaching the age of retirement, Medicare enrollment numbers are growing by leaps and bounds. Yet for a number of reasons, every year thousands of U.S. retirees fail to secure the proper health insurance. Many U.S. citizens simply neglect to sign-up for Medicare or miss their allotted enrollment windows. […]
Many of our readers are independent insurance brokers and general agents with practices focused on individual benefits and estate planning services. Most of you rarely venture into the group and employee benefits sectors, but it wouldn’t hinder your business at all to consider looking there once in a while. The experience could be delightful and […]
From the desk of W. Harold Petersen – A simple product – an insurance policy has no chrome strips, no moving parts; we can’t wear it, sit on it, eat it or even hang it on the wall to show our friends. It is a piece of paper usually condemned to a dark and dusty […]
The rapid evolution of technology over the last two decades has changed the business world forever. Slowly fleeting are the glory days of the salesperson and the insurance broker. Those making deals face-to-face with witty dialogue and a handshake must now turn their attentions toward text messages, conference calls and computer chats. The life and […]
As of 2015, Millennials outnumber Baby Boomers in the United States by almost eight million and represent more than a quarter of the American population. Our greatest sources of prospective clientele now fall upon the youth and those nearing retirement – opposite ends of the spectrum. As an industry, specifically in the life and disability […]