Writing multiple lives at the same work place or in the same association can bring the costs down for your clients—while still maintaining all of the advantages of an individual policy. In this blog I will focus on the most…
A Guest Blog by Andrea Blanchard, ALMI, ACS, Regional Sales Manager, Assurity Life Insurance Company There I was, excitedly waiting to take a piece of candy from Mrs. Bush’s treat bag. I love candy!! Mrs. Bush was my first grade teacher…
One of the hottest topics of the current U.S. disability insurance industry is guaranteed-issue (GSI – guaranteed standard issue) coverage. GSI products are quite popular and are expanding in scope. Even though the benefits platforms take time and diligent effort to…
Recently a good producer by the name of Brock Jolly came to me for help with a group of Podiatrists he works with. Brock’s primary company is Mass Mutual, but Brock shops every case for his clients to find the…
Guest Blog by Mark A. Kinback, AVP Underwriting & Multi-life Sales at Principal Financial Group, Mark has over 35 years of experience in both underwriting and individual disability income marketing. As the parent of four children, I felt pretty good…
As reported on April 20, 2016, Metlife will discontinue individual disability insurance sales on September 1, 2016 (they will continue to offer GSI and underwritten policies that supplement GSI policies). Most of the remaining insurance carriers that offer individual disability…
That disability insurance, unlike something like a nice dinner or even a cup of coffee, needs to be sold is a long accepted truth in the world of disability insurance agents and financial planners. Clients do not walk in the…
Lessons Learned From a Seasoned IDI Agent By Steve Brady, National Accounts Sales Director at The Standard (Standard Insurance Company) Steve Brady is one of the most creative disability insurance specialist in our industry. Steve put the Standard on the…
Sticker shock is a common problem in the disability insurance world, especially for new financial planners and insurance agents who have become used to the very low cost of term life insurance. The cost of a good DI policy, something…
May is Disability Awareness month, and there are lots of good marketing pieces go around. I particularly like this video from Ameritas, “Income Matters:” https://vimeopro.com/ameritas/ameritas/video/108612367