The fields are hardly white for harvest if an insurance advisor intends to get rich selling charitable-owned coverage.  Nonetheless, there are circumstances where carriers may look beyond the donation-multiple standard. ...

When you know which questions to ask, and learn detail of what your clients would like to accomplish, you start to get a clear picture of what matters most. ...

Our Underwriting Team is here to provide guidance and direction – the full story of each client’s health history has a shot at a happy ending. ...

Who will need it and for how long, how much it will cost, the state of the long-term care insurance marketplace, and the toll on caregivers. ...

This product portfolio includes Accident Only, Short-Term Disability (accident/sickness), Long-Term Disability (accident/sickness) and Business Operating Expense. ...

There is a tendency in the planning process to focus on the matters of final arrangements, like wills and life insurance, and not give proper attention to the possibility of incapacity prior to death. ...

The executive bonus is a great sales concept for the small business market and can generate significant commissionable sales to the producer. ...

The following case studies show how the identification and application of underwriting credits can significantly reduce premiums. ...

Adapting your approach to the new market will not only demonstrate that you are responding to changing trends, but will ultimately help to increase your LTC Insurance business. ...

Stories are a good way to get people to accept what you are selling.  Telling the right story in the right way can be a powerful form of persuasion.  ...