With such a policy, your clients can be covered from three major risks: dying too soon, living too long and living with an impairment. ...

Now is the time to start having conversations with your clients about LTC planning, the risk of depending on government programs, and how those programs differ from private LTC insurance. ...

We have partnered with the nation’s Top Carriers to provide your clients with Employee Assistance Programs (EAP) that best suit their demographics and needs. ...

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. ...